TAKE CONTROL OF YOUR DEBT-WITHOUT BANKRUPTCY

Consumer Proposals Can Reduce What You Owe by Up to 80%. 

STRUGGLING WITH DEBT? YOU'RE NOT ALONE.

A Consumer Proposal is a legally binding solution that helps you reduce your debt, stop collection calls, and avoid bankruptcy. Our licensed professionals will work with you to create a plan you can afford - so you can breathe easier and move forward with confidence.

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Canadian Association of Insolvency and Restructuring Professional.

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WHAT PREVIOUS CLIENTS ARE SAYING

JIM JERSEY

JI M JERSEY

“I was drowning in credit card debt and didn’t know where to turn. The team helped me reduce my payments and finally get back on track. I'm so grateful!” 

Sarah M., London 

“They explained everything clearly and treated me with respect. I wish I had called sooner.”

Jason T., Toronto

JIM JERSEY

JIM JER SEY

Benefits to a Consumer Proposal

Reduce Your Debt by Up to 80%

You only repay a portion of what you owe - often significantly less than the full amount.

Personal income and assets may very the debt reduction amount.

Avoid Bankruptcy

A consumer proposal is the #1 alternative to bankruptcy, with fewer long-term consequences.

Keep Your Assets

Unlike bankruptcy, you can retain your assets. You still need to pay loans to keep your assets (mortgage payments, car loan payments).

Stop Collection Calls and Wage Garnishments

Filing a consumer proposal provides legal protection from creditors.

One Affordable Monthly Payment

Combine all unsecured debts into one manageable payment.

Freeze Interest Charges

All interest on your unsecured debts stops the moment your consumer proposal is filed.

Government-Approved Debt Relief Program

Consumer proposals are legally binding and regulated by the Federal Government of Canada.

No Hidden Fees or Upfront Costs

All fees are included in your monthly payment.