[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”\/wp-content\/uploads\/2020\/09\/ontario-credit-counselling-1.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_center” background_position_phone=”top_center” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||80px||false|false” custom_padding_tablet=”” custom_padding_phone=”” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Consumer Proposals in Ontario[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]What you need to know and watch out for.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”||120px||false|false” custom_padding_tablet=”||115px||false|false” custom_padding_phone=”||110px||false|false” bottom_divider_style=”wave2″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
What is a consumer proposal<\/a>, and is it my best option?<\/em><\/p>\n One option to consolidate your debts is to file a Consumer Proposal in Ontario<\/span><\/b>. It is a legal process under the Bankruptcy and Insolvency Act<\/a><\/b> between you and your creditors to repay part of what you owe. The amount you repay is largely based upon your income and what you own.<\/p>\n A Consumer Proposal can only be arranged and administered by a bankruptcy trustee<\/a> and costs about $1,500 to file. You pay an initial setup fee, and then, if it is accepted by your creditors, you will pay the remaining balance to proceed. In addition to this, the trustee will also retain 20% of your future payments as a fee for administering your Consumer Proposal. To be legally binding, the creditors who hold the majority of your debt must agree to the proposal. Once they do, you repay the agreed amount over a maximum of 5 years.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n There are definitely advantages and disadvantages to filing a Consumer Proposal. Here are some that are important to be aware of:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” z_index=”10″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” next_background_color=”#ffcc00″ admin_label=”Testimonial” _builder_version=”4.16″ background_image=”\/wp-content\/uploads\/2020\/02\/IMG_0087-Yasmine-3-e1582150961489.png” background_position=”top_center” transform_scale_last_edited=”off|phone” transform_translate_last_edited=”off|phone” transform_rotate_last_edited=”off|phone” transform_skew_last_edited=”off|phone” transform_origin_last_edited=”off|phone” transform_styles_last_edited=”off|phone” z_index=”-10″ height=”750px” custom_padding=”0px||0px||false|false” top_divider_style=”wave2″ top_divider_arrangement=”above_content” top_divider_style_tablet=”” top_divider_style_phone=”” top_divider_style_last_edited=”on|phone” top_divider_height_tablet=”” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_arrangement=”above_content” bottom_divider_height_tablet=”100px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_image_phone=”\/wp-content\/uploads\/2020\/02\/IMG_0087-Yasmine-3-e1582150961489.png” background_enable_image_phone=”on” background_size_phone=”cover” background_position_tablet=”center_left” background_position_phone=”top_left” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ transform_scale_tablet=”100%|110%” transform_scale_phone=”” transform_scale_last_edited=”on|desktop” transform_scale_linked_tablet=”off” transform_translate_tablet=”0px|0px” transform_translate_phone=”” transform_translate_last_edited=”on|tablet” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” width=”75%” width_tablet=”100%” width_phone=”” width_last_edited=”on|tablet” max_width=”100%” max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|phone” height=”100%” max_height=”100%” custom_margin=”||||false|false” custom_padding=”0px||0px||false|false” transform_styles_tablet=”” transform_styles_phone=”” custom_css_main_element=”align-items: center;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ background_color=”rgba(91,37,175,0.7)” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate=”86px|0px” transform_translate_tablet=”0px|0px” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” custom_padding=”240px||240px||false|false” custom_padding_tablet=”240px||215px||false|false” custom_padding_phone=”170px||230px||false|false” custom_padding_last_edited=”on|tablet” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” transform_styles_tablet=”” transform_styles_phone=”” border_color_all=”#000000″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1.2em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”75%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n It’s Okay to Ask for Help with Debt<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.16″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”75%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”80px” custom_margin=”-15px||30px||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n “Life just happened. My debt got to the point where I started to feel like I was drowning. I didn\u2019t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay \u2013 a lot of work \u2013 but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.”<\/p>\n – Yasmine, Actual Client<\/em><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”#ffcc00″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Consumer Proposals have become the latest method for a growing number of for-profit companies and their sales people to take advantage of vulnerable, unsuspecting consumers. Don’t let this happen to you! Many debt relief companies are now claiming to offer Consumer Proposals as an easy way to get out of debt. There’s a problem. Only a licensed bankruptcy trustee is allowed to file paperwork for a Consumer Proposal.<\/b> The debt relief companies charge thousands in fees only to refer you to a bankruptcy trustee who then charges his or her own fees.\n<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffcc00″ _builder_version=”4.17.4″ _module_preset=”default” custom_padding=”||0px|||” top_divider_style=”ramp2″ top_divider_height_tablet=”” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Follow the three tips below plus start by speaking with a member of Credit Counselling Canada<\/a> (an association of non-profit credit counselling agencies who do not work on commission). If a Consumer Proposal is truly one of your best options, one of their agencies can let you know and refer you to a reputable bankruptcy trustee for free.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” admin_label=”Row” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Speak to a Non-Profit Credit Counsellor” image=”\/wp-content\/uploads\/2020\/06\/faq_icon_purple.png” alt=”FAQ Icon Purple” image_last_edited=”off|desktop” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”\/wp-content\/uploads\/2020\/06\/faq_icon_green.png”]Speak with a non-profit Credit Counsellor about your financial situation first. They will be able to review your situation with you and help you explore and understand all your options to deal with your debt.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Only Pay a Trustee for Consumer Proposal Services” image=”\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png” alt=”Debt Settlement Icon Purple” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_green.png”]Never pay money to anyone for Consumer Proposal services except a licensed bankruptcy trustee. By law, they are the only ones allowed to provide these services and receive payment for their services.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Watch Out for Commission Based Debt Consultants” image=”\/wp-content\/uploads\/2020\/06\/warning-signs_icon_purple.png” alt=”warning signs icon purple” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”\/wp-content\/uploads\/2020\/06\/warning-sign_icon_green.png”]Ask how the person helping you is compensated. Many people who will seek to advise you on your debts work on commission. Make sure the “solution” they are suggesting is in your best interest – not theirs.[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA – 4 Question Quiz – Consumer Proposal” _builder_version=”4.22.0″ background_color=”#5B25AF” background_enable_image=”off” parallax=”on” parallax_method=”off” max_width=”100%” custom_margin=”-100px||||false|false” custom_margin_tablet=”” custom_margin_phone=”-35px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”299px||200px||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”220px||170px||false|false” top_divider_style=”ramp2″ top_divider_color=”#FFFFFF” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_color_tablet=”#ffffff” top_divider_color_phone=”#ffffff” top_divider_color_last_edited=”on|phone” top_divider_height_tablet=”150px” top_divider_height_phone=”100px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_arrangement=”above_content” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|tablet” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” temp_global_module=”50511″ saved_tabs=”all” ab_subject=”on” ab_subject_id=”1″ locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ temp_global_parent=”50511″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ temp_global_parent=”50511″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.22.0″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.7)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50511″ inline_fonts=”Work Sans” global_colors_info=”{}”]You Probably Have Other Options[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.23.4″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50511″ inline_fonts=”Work Sans” global_colors_info=”{}”]See How One of Our Credit Counsellors Can Help You[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.23.4″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1500ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”2000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50511″ global_colors_info=”{}”]If you can take a minute to answer 4 multiple-choice questions, you can find out how one of our credit counsellors can help you. It will only take a minute, and what you discover may surprise you.[\/et_pb_text][et_pb_button button_url=”https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool-short” button_text=”Start the Quiz” button_alignment=”center” _builder_version=”4.23.4″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” temp_global_parent=”50511″ ab_goal=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off|desktop” button_text_color__hover_enabled=”on|hover” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA – 9 Question Quiz – Consumer Proposal” _builder_version=”4.22.0″ background_color=”#5B25AF” background_enable_image=”off” parallax=”on” parallax_method=”off” max_width=”100%” custom_margin=”-100px||||false|false” custom_margin_tablet=”” custom_margin_phone=”-35px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”299px||200px||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”220px||170px||false|false” top_divider_style=”ramp2″ top_divider_color=”#FFFFFF” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_color_tablet=”#ffffff” top_divider_color_phone=”#ffffff” top_divider_color_last_edited=”on|phone” top_divider_height_tablet=”150px” top_divider_height_phone=”100px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_arrangement=”above_content” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|tablet” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” temp_global_module=”50511″ saved_tabs=”all” ab_subject=”on” ab_subject_id=”2″ locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ temp_global_parent=”50511″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ temp_global_parent=”50511″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.22.0″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.7)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50511″ inline_fonts=”Work Sans” global_colors_info=”{}”]You Probably Have Other Options[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.22.0″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50511″ inline_fonts=”Work Sans” global_colors_info=”{}”]See What They Are[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.22.0″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1500ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”2000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50511″ global_colors_info=”{}”]You may have an idea of how to resolve your financial situation, but it’s very possible that other viable options are available to you – other options that could potentially resolve your situation more quickly, with far more privacy, or with less impact to your credit or career. Every option has pros and cons, but it’s worth taking a few minutes to see what your options look like and whether you think you’d like to look into any of them further.[\/et_pb_text][et_pb_button button_url=”https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool-medium” button_text=”See Your Options” button_alignment=”center” _builder_version=”4.23.4″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” temp_global_parent=”50511″ ab_goal=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off|desktop” button_text_color__hover_enabled=”on|hover” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.20.2″ _module_preset=”default” background_color=”#E7DFF3″ custom_padding=”85px|||||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”] <\/p>\n When you make payments on a Consumer Proposal, there is a note on your credit report<\/a> in the public records section that you have filed a proposal. Anyone who has your consent to see your credit report will see the public records section as well.<\/p>\n In addition, your creditors may report a “7” rating on the debts included in the proposal. This means that they are receiving payments through a third party. The third party is your trustee. When you make a payment to your trustee, they disburse the agreed upon amount to each of your creditors after all applicable fees have been paid.<\/p>\n If you are making payments to secured creditors, like for a car loan, outside of your Consumer Proposal, those creditors will report on those debts separately. Creating and sticking to a realistic budget<\/a> will make this easier.<\/p>\n If you are able to maintain a good payment history on a secured debt while you’re making your proposal payments, this can help you re-build credit<\/a><\/b> afterwards.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#E7DFF3″ admin_label=”CTA Generic – Purple” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”175px||1px||false|false” custom_padding_tablet=”45px||30px||false|false” custom_padding_phone=”35px||||false|false” top_divider_style=”curve2″ top_divider_height=”110px” top_divider_flip=”horizontal” top_divider_height_tablet=”50px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#ffffff” bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”||||false|false” custom_padding_tablet=”100px||||false|false” custom_padding_phone=”100px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”-15px||||false|false” custom_padding=”||0px|||” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]Contact Us for More Info About Filing for a Consumer Proposal in Ontario[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”|||” custom_padding=”0px|||||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n Between financial difficulty and bankruptcy there can be many options. While a consumer proposal may be a good option for some, it isn’t the best option for everyone. To find out what options you have, call one of our professionally certified Credit Counsellors today. You can speak with a Counsellor in person or over the phone. Appointments with them are free, non-judgmental, and completely confidential.<\/p>\n For more information or to speak with a Counsellor, contact us in Ontario at 1-888-527-8999. You can also email or chat with us online right now.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” _builder_version=”4.17.4″ _module_preset=”default” max_width=”500px” custom_padding=”||140px||false|false” custom_padding_tablet=”||100px||false|false” custom_padding_phone=”||100px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” background_color=”RGBA(255,255,255,0)” global_colors_info=”{}”][et_pb_button button_url=”#hs-chat-open” button_text=”Online Chat” button_alignment=”center” admin_label=”Button 1″ _builder_version=”4.17.4″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ background_layout=”dark” custom_padding=”|40px||40px|false|false” animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” background_color=”RGBA(255,255,255,0)” global_colors_info=”{}”][et_pb_button button_url=”\/contact-us” button_text=”Let Us Help You” button_alignment=”center” admin_label=”Button 2″ _builder_version=”4.17.4″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ background_layout=”dark” animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row admin_label=”6 Media Logos – Green Transparent Bar” _builder_version=”4.16″ background_color=”rgba(42,209,61,0.7)” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”100%” max_width_last_edited=”off|desktop” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”5%” module_alignment_last_edited=”off|desktop” global_colors_info=”{}” custom_css_main_element__hover_enabled=”off|desktop” custom_css_main_element__hover=”transition: 0.9s;”][et_pb_column type=”4_4″ _builder_version=”4.16″ background_enable_image=”off” background_size=”initial” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” background__hover_enabled=”off|hover” background_enable_image__hover=”off” filter_opacity__hover_enabled=”off|hover” custom_css_main_element__hover_enabled=”off|hover”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-2.png” align=”center” admin_label=”6 Media Logos” _builder_version=”4.16″ positioning=”absolute” position_origin_a=”top_center” width=”90%” width_tablet=”90%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”100%” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-3-description-3.png” align=”center” src_last_edited=”off|phone” admin_label=”Hover Image – Description of Logos” _builder_version=”4.16″ width=”90%” width_tablet=”90%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”90%” max_width_last_edited=”off|phone” module_alignment=”center” filter_opacity=”0%” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” filter_opacity__hover_enabled=”on|desktop” filter_opacity__hover=”100%” src__hover_enabled=”off|desktop”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Here are some related topics that may be useful for you.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” admin_label=”Row” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Debt Consolidation Options & Alternatives” url=”\/debt-help\/debt-consolidation” image=”\/wp-content\/uploads\/2020\/06\/debt-consolidation_icon_purple.png” alt=”Debt Consolidation Icon Purple” image_last_edited=”off|desktop” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” link_option_url=”\/debt-help\/debt-consolidation” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”\/wp-content\/uploads\/2020\/06\/debt-consolidation_icon_green.png”]There are more alternative debt consolidation options and services available than most people are aware of. Find the option that’s right for you.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”How Does a Debt Management Program Work?” url=”\/debt-help\/debt-consolidation\/debt-consolidation-program-dcp” image=”\/wp-content\/uploads\/2020\/06\/debt-repayment_icon_purple.png” alt=”Debt Repayment Icon Purple” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” link_option_url=”\/debt-help\/debt-consolidation\/debt-consolidation-program-dcp” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”\/wp-content\/uploads\/2020\/06\/debt-repayment_icon_green.png”]Learn how a Debt Management Program can consolidate your payments, eliminate interest rates, and get you out of debt and back on track.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Consumer Proposal vs Bankruptcy – The Differences” url=”\/debt-help\/consumer-proposal\/consumer-proposal-vs-bankruptcy” image=”\/wp-content\/uploads\/2020\/06\/bankruptcy_icon_purple.png” alt=”bankruptcy icon purple” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” link_option_url=”\/debt-help\/consumer-proposal\/consumer-proposal-vs-bankruptcy” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”\/wp-content\/uploads\/2020\/06\/bankruptcy-icon_green.png”]Learn how Consumer Proposals and Bankruptcy are similar and how they are different. Also learn what you need to watch out for.[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” admin_label=”Accredited by Logos Section” _builder_version=”4.16″ background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”#e7dff3 0%|#e7dff3 100%” background_color_gradient_start=”#e7dff3″ background_color_gradient_end=”#e7dff3″ z_index=”0″ min_height=”310px” custom_margin=”||0px||false|false” custom_padding=”120px||120px||false|false” custom_padding_tablet=”100px||80px||false|false” custom_padding_phone=”100px||||false|false” top_divider_style=”wave2″ top_divider_color=”#ffffff” top_divider_flip=”horizontal|vertical” top_divider_height_tablet=”” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” animation_direction=”top” custom_css_main_element=”z-index: 20!important;” da_disable_devices=”off|off|off” saved_tabs=”all” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ z_index=”6″ custom_padding=”30px||||false|false” animation_style=”fade” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_3_font=”|600|||||||” header_3_text_color=”rgba(0,0,0,0.5)” header_3_font_size=”26px” custom_padding=”||||false|false” global_colors_info=”{}”]<\/p>\n Our goal is to always put consumers first and look out for their best interests in everything we do. One way we do this is through transparency and accountability. We are held accountable to the most rigorous standards in our industry.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”1″ module_class=”mobile-stacking” _builder_version=”4.17.4″ _module_preset=”default” background_enable_image=”off” max_width=”1500px” max_width_tablet=”90%” max_width_last_edited=”off|desktop” module_alignment=”center” custom_margin_phone=”|-5.5px|||false|false” custom_margin_last_edited=”off|desktop” animation_style=”zoom” animation_intensity_zoom=”20%” global_module=”44251″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/best-workplaces-canada-certified-2022-text-bx-1.png” background_size=”initial” link_option_url=”\/about-us\/accredited-credit-counselling#best-workplaces” background_last_edited=”off|desktop” 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transform_skew_last_edited=”on|tablet” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|tablet” transform_styles_last_edited=”on|phone” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}” src__hover_enabled=”off|desktop” src__hover=”\/wp-content\/uploads\/2020\/09\/description-nfcc-4.png” filter_opacity__hover_enabled=”on|hover” filter_opacity__hover=”0%” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”position: absolute;||left: 35%;||padding-left: 16px;” custom_css_main_element_phone=”text-align: center;”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||100px||false|false” custom_padding_tablet=”||80px||false|false” custom_padding_phone=”||50px||false|false” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Related Links<\/b><\/p>\n The Credit Counselling Society<\/span> is an award winning, non-profit credit counselling service provider in Ontario<\/a> with [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Communities in Ontario We Serve” open_toggle_background_color=”#FFFFFF” closed_toggle_background_color=”#FFFFFF” _builder_version=”4.17.4″ _module_preset=”default” title_text_align=”center” global_colors_info=”{}”]<\/p>\n Greater Toronto Area (GTA)<\/strong><\/span><\/a><\/span><\/p>\n Toronto<\/span><\/a> | <\/span>Scarborough<\/span><\/a> | <\/span>North York<\/span><\/a> | <\/span>Etobicoke <\/span><\/a><\/span><\/p>\n Region of Peel<\/strong><\/span><\/a><\/span><\/p>\n Mississauga<\/span><\/a> | <\/span>Brampton<\/span><\/a> | <\/span>Caledon<\/span><\/a><\/span><\/p>\n York Region<\/strong><\/span><\/a><\/span><\/p>\n Vaughan<\/span><\/a> | <\/span>Thornhill<\/span><\/a> | <\/span>Richmond Hill<\/span><\/a> | <\/span>Markham<\/span><\/a> | <\/span>Aurora<\/span><\/a> | <\/span>Newmarket<\/span><\/a> | King | Keswick | Stouffville | <\/span>Whitchurch-Stouffville<\/span><\/a> | East Gwillimbury<\/a> | <\/span>Georgina<\/span><\/a><\/span><\/p>\n Durham Region<\/strong><\/span><\/a><\/span><\/p>\n Pickering<\/span><\/a> | <\/span>Ajax<\/span><\/a> | <\/span>Whitby<\/span><\/a> | <\/span>Oshawa<\/span><\/a> | <\/span>Uxbridge<\/span><\/a> | Scugog | Brock | <\/span>Clarington<\/span><\/a> | <\/span>Bowmanville<\/span><\/a><\/span><\/p>\n Halton Region<\/strong><\/span><\/a><\/span><\/p>\n Oakville<\/span><\/a> | <\/span>Milton<\/span><\/a> | <\/span>Burlington<\/span><\/a> | <\/span>Halton Hills<\/span><\/a> | Georgetown<\/a><\/span> <\/span><\/p>\n Ottawa Consumer Proposals<\/span><\/a> | Hamilton Consumer Proposals<\/a> | London Consumer Proposals<\/a> | Kitchener Consumer Proposals<\/a> | Waterloo<\/a> | Guelph<\/a> | Cambridge<\/a> | Woodstock<\/a> | Midland<\/a> | Leamington<\/a> | Kingston<\/a> | Thunder Bay<\/a> | Kanata<\/a> | Barrie<\/a> | Peterborough | Brantford<\/a> | Chatham<\/a> | Chatham-Kent<\/a> | Sarnia<\/a> | Sault Ste. Marie<\/a> | North Bay<\/a> | Timmins<\/a> | Bolton<\/a> | Bradford<\/a> | Orangeville<\/a> | Orillia<\/a> | Grimsby<\/a> | St. Catharines | Niagara Falls | Welland | Fort Erie<\/a> | Port Colborne | Stratford<\/a> | Pembroke<\/a> | Collingwood<\/a> | St. Thomas<\/a> | Stoney Creek<\/a> | Owen Sound<\/a> | Valley East<\/a> | Lindsay<\/a> | Fergus<\/a> | Alliston<\/a> | Tillsonburg<\/a> | Simcoe<\/a> | Strathroy<\/a> | Amherstburg<\/a> | Ingersoll<\/a> | New Hamburg<\/a> | Paris<\/a> | Kenora<\/a> | Elliot Lake<\/a> | Rockland<\/a> | Wasaga Beach<\/a> | Windsor<\/a> | Belleville<\/a> | Cornwall<\/a> | Beamsville<\/a> | Wallaceburg<\/a> | Arnprior<\/a> | Carleton Place<\/a> | Caledonia<\/a> | Brockville<\/a> | Cobourg<\/a>\u00a0 <\/span><\/span> <\/span><\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Consumer Proposals in OntarioWhat you need to know and watch out for.Consumer Proposal Ontario – Other Options & Stuff You Need to Know What is a consumer proposal, and is it my best option? One option to consolidate your debts is to file a Consumer Proposal in Ontario. It is a legal process under the […]<\/p>\n","protected":false},"author":3,"featured_media":12079,"parent":12251,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-26647","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\n\n
The Advantages & Disadvantages of Filing a Consumer Proposal in Canada<\/h2>\n
Advantages<\/h3>\n
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Disadvantages<\/h3>\n
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Beware of the Big Debt Rip-Off
\n<\/h2>\nHow to Prevent Getting Ripped Off<\/h2>\n
How a Consumer Proposal Can Impact Your Credit<\/h2>\n
Related Topics<\/h2>\n
Putting Your Interests First<\/h3>\n
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