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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How to deal with a joint mortgage in a separation? – Real-life case

The breakup of a couple can be painful in many ways. Aside from the emotional aspect of grieving a relationship and the fears associated with starting anew, financial uncertainties...

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Real-life Case – 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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Managing your debts before you retire – Real-life Case

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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How to cope with a significant drop in income?: real-life case

Even though the causes of indebtedness are numerous, the majority of them converge towards one main reason: insufficient income to cover increasing costs or unforeseen events,” mentions Pierre Fortin,...

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Overcoming Financial Challenges: A Real-Life Case of Business Turnaround

In the business world, unforeseen challenges are inevitable. Whether it’s a bad contract, unrecoverable debt, or a significant industry shift, no business is immune to financial difficulties. Fortunately, solutions...

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When Debts Accumulate – Real-life Case

It is often said that time heals everything. “Unfortunately, this is not always the case when it comes to personal finances. Sometimes, even a very short period of 3...

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Financial Challenges of Building a Cottage – Real-life Case

Faced with the rising costs associated with building a residence, many people are turning to self-building instead of hiring a general contractor. This is the choice Pierre-André** made, who...

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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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