A Consumer Proposal allows you to offer a settlement to your creditors based on your ability to pay, without bankruptcy.
A Consumer Proposal is a settlement offer you make to your creditors, who then vote on your offer. Payments can be in a lump-sum, in monthly payments over a maximum of 5 years, or a combination. One monthly interest-free payment covers all of your ordinary debts. During this time, no collectors can contact you. Once the payments are complete, you are debt-free!
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