Debt Relief Experts
How A Consumer Proposal can Improve Your Cashflow
Are you wondering what a consumer proposal repayment plan looks like? Doug Hoyes explains 2 benefits of using this form of insolvency with actual examples of how it can affect your finances.
Learn More About Consumer Proposals
Is a Consumer Proposal a Good Idea?
Filing a consumer proposal is a debt relief strategy that offers many advantages if you qualify. Explore our guide on conducting a consumer proposal assessment and one of the benefits of a proposal.
Where To Get A Consumer Proposal Filed
Licensed Insolvency Trustees are regulated by the federal government but obtain licenses to work in each province in Canada. Find out how where you live impacts where to find a trustee to work with.
How to Make a Consumer Proposal Budget That Works
If you're going to file for a consumer proposal, we make sure your proposal payments fit your budget. In this blog, find out how to determine if you can afford payments.
Should I Borrow To Pay Off My Consumer Proposal Early?
Loans are available for individuals completing a consumer proposal. In this blog, learn about the pros and cons of borrowing to pay off your proposal earlier and 3 alternative ways you can do this.
How To Interview Your Consumer Proposal Administrator(or any debt advisor)
Learning how to interview a debt advisor can be a useful skill if you are planning on filing for insolvency. Find out what a consumer proposal administer is, how they are licensed, associated fees and more.
Student Loan Treatment in a Consumer Proposal
Did you know there are rules in place when it comes to the way student loans are treated in an insolvency? Find out the rules to ensure your student debt is discharged or released in a consumer proposal.
Negotiating Consumer Proposals. What Your Creditors Expect.
Do you want to learn more about the negotiation process involved in a consumer proposal? We'll explain what creditors might expect in a proposal based on internal policy and who does the negotiating.
Calculating Payments in a Consumer Proposal
When you file for a consumer proposal, you offer your creditors an amount for your proposal payments. In this blog, find out what factors affect this and 3 steps you can use to calculate your payment terms.
99% of Hoyes Michalos Consumer Proposals Accepted by Creditors
If you are considering a consumer proposal to help eliminate your debts, you want your creditors to accept the terms of the proposal. In general, consumer proposals have a 99% acceptance rate.
EXCLUSIVE: Why does the Royal Bank vote NO on consumer proposals more than all other creditors combined?
Did you know that 99% of our consumer proposals are accepted by creditors? And that the Royal Bank makes up majority of creditors that vote against them? Doug Hoyes explains why here.
Consumer Proposals: Debt Limit
A consumer proposal has a legislated debt limit of $250,000. Find out what debts are included in that calculation and what options you have if you owe more than the allowable limit.
Consumer Proposal Help When Expecting Lump Sum Payments
Consumer proposals are a very flexible tool when it comes to debt settlement. If you receive a lump sum before or during a proposal, find out how this can impact your proposal terms.