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Consumer Proposal

Read our articles and real-life stories to learn lots of useful information about consumer proposals and what they involve.

What are the differences between consumer proposal and debt consolidation?

Tight on money at the end of the month? Here are a few options to consider! If you’re struggling to make ends meet or your personal debt isn’t decreasing, you...

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How do I go about making a consumer proposal?

We will explain the steps to follow in order to file a consumer proposal with the help of your financial advisor.

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What are the differences between consumer proposal and bankruptcy?

What are the differences between a consumer proposal and bankruptcy? If you’re hesitating between these 2 options and wondering what the differences between bankruptcy and a consumer proposal are,...

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How to avoid bankruptcy with an anticipated inheritance?

Jean-Benoît and Pascale have 2 children and are renters. Even though both of them work, they struggle to balance their budget and have gradually accumulated debts of $35,800. But...

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Real-life story – When the Family Home Becomes a Prison

Having been together for a year, Derek and Charlotte decided to buy a house. At first, everything went well, but unfortunately, their relationship began to deteriorate after a few...

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Real-life story – Self-Employed Worker

Other than the lack of work, arrears in income and sales taxes are, in our experience, a self-employed person’s greatest risk.

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Real-life story – Retirement

People spend less money in their retirement years, but they also earn less. Ideally, you should reach retirement with as little debt as possible.

  

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Real-life story – Income Loss

With a good salary and overtime, Martin’s lifestyle was very comfortable until his employer revised his overtime policy.

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Real-life story – Business Owners

Read about Robert, who tried get out of business debt, and see how he fared.

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Real-life story – Debt Accumulation

They say that time heals all wounds. Unfortunately, this is not true when it comes to personal finances. Sometimes, everything can come crashing down in a matter of months.

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Real-life story – Home renovations at the cottage undermine his finances

Pierre-André, a municipal employee aged 56, plans to retire in about 5 years. In anticipation of this new stage in his life, he bought a woodland property that includes...

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Will parents of twins have to declare bankruptcy?

Parents of a 2-year-old girl, Charles and Magalie have just learned that the stork will be bringing them… twins! With their student debts, credit card debts, and all the...

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