{"id":8183,"date":"2020-07-10T23:33:33","date_gmt":"2020-07-10T23:33:33","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=8183"},"modified":"2025-03-24T14:41:12","modified_gmt":"2025-03-24T21:41:12","slug":"consumer-proposal","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal","title":{"rendered":"Consumer Proposal"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; 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admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]Consumer Proposal[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]An alternative to bankruptcy.[\/et_pb_text][et_pb_button button_url=&#8221;#debt-help-form&#8221; button_text=&#8221;Get Debt Help Now&#8221; button_alignment=&#8221;center&#8221; disabled_on=&#8221;on|on|off&#8221; module_class=&#8221;ccs-modal-trigger&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_border_width=&#8221;2px&#8221; button_border_color=&#8221;#2ad13d&#8221; button_use_icon=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2ad13d&#8221; 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da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.22.0&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_dmb_breadcrumbs font_icon=&#8221;%%20%%&#8221; use_home_icon=&#8221;off&#8221; use_home_text=&#8221;on&#8221; show_custom_taxonomy_crumbs=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; body_text_color=&#8221;rgba(102,102,102,0.8)&#8221; link_text_color=&#8221;rgba(42,209,61,0.8)&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;left&#8221; global_module=&#8221;6437&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;rgba(90,39,178,0.4)&#8221;][\/et_pb_dmb_breadcrumbs][et_pb_text admin_label=&#8221;H1 Heading&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;||2px|||&#8221; animation_direction=&#8221;bottom&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Consumer Proposal<\/h1>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph Text&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Most people know about bankruptcy, but not many know about consumer proposals: another way to settle your debts for less than what you owe. Like bankruptcy, filing a consumer proposal in Canada is a big decision that will affect your credit and job opportunities for years to come. It can give you some debt relief and even protect assets like your home, but comes with costs and conditions that can\u2019t be ignored. Get the full picture on this option and its alternatives before making a choice that could change your life.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Know your options (icon menu)&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;0px||0px||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;5px||||false|false&#8221; custom_padding_tablet=&#8221;0px||5px||false|false&#8221; custom_padding_phone=&#8221;15px||5px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; 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top_divider_height_last_edited=&#8221;on|tablet&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;85px||54px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/considering-consumer-proposal_2colm-1.jpg&#8221; alt=&#8221;Consider A Consumer Proposal&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;20px||||false|false&#8221; custom_padding_tablet=&#8221;0px||||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>When to Consider a Consumer Proposal<\/h2>\n<p>You should only consider pursuing a consumer proposal when all other options for dealing with your debt have been exhausted. That means you:<\/p>\n<ul>\n<li>Cannot afford to repay your debt as originally agreed<\/li>\n<li>Have more debt than the value of your assets<\/li>\n<li>Do not want to declare bankruptcy<\/li>\n<li>Do not qualify for a <a href=\"\/debt-help\/debt-management-program\" target=\"_blank\" rel=\"noopener noreferrer\">debt management program<\/a> or it doesn\u2019t align with your goals<\/li>\n<li>Have explored all other <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-solutions-advice\" target=\"_blank\" rel=\"noopener noreferrer\">little-known options and alternatives<\/a> with a non-profit credit counsellor<\/li>\n<\/ul>\n<p>If you haven\u2019t yet fully considered everything above, it\u2019s to your advantage to do so before committing to a consumer proposal. If you\u2019d like to talk things over with someone or receive extra guidance about the pros and cons, <a href=\"\/contact-us#options\">give us a call<\/a> and we\u2019ll be happy to help.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||120px|||&#8221; custom_padding_tablet=&#8221;||80px||false|false&#8221; custom_padding_phone=&#8221;&#8221; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Filing a Consumer Proposal in Canada<\/h2>\n<p>Completing a consumer proposal <a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal-canada\" style=\"color: #666;\">in Canada<\/a> is a legal process that must be done through a licensed insolvency trustee. Your trustee will officially ask your creditors to accept payments for less than the full amount of your eligible debts. Your creditors who hold the majority of your debt must agree, which can be difficult if they believe that you\u2019re able to make bigger payments. If the \u201cproposal\u201d is accepted, you\u2019ll usually have just under 5 years to finish making the payments.<\/p>\n<p>&nbsp;[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/filing-consumer-proposal_2colm.jpg&#8221; alt=&#8221;Filing A Consumer Proposal&#8221; title_text=&#8221;filing-consumer-proposal&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; max_height=&#8221;575px&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;||5px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#5B25AF&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;85px|||||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;55px||||false|false&#8221; bottom_divider_style=&#8221;wave2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; module_id=&#8221;pay-bills&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||102px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;\t&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/unsecured-credit-card_2colm.jpg&#8221; alt=&#8221;Unsecured And Secured Debts In A Proposal&#8221; title_text=&#8221;unsecured-credit-card&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; min_height=&#8221;221px&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Unsecured and Secured Debts in a Proposal<\/h2>\n<p>A consumer proposal deals with your unsecured debts, which are debts that you haven\u2019t put collateral up for. They can also deal with government debt, if you\u2019ve been out of school for at least 7 years, your government student loans too. Once your creditors become aware that you filed a proposal, collection activity stops. You start making payments to your trustee once your proposal is accepted and registered by the Court.<\/p>\n<p>Secured debts are not included in consumer proposals. However, if you wish to keep assets like your vehicle and home, creditors or your trustee might add their value to your payments. This means that you essentially buy them back through the proposal.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;CTA &#8211; 9 Question Quiz&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#5B25AF&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.22.0&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.7)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]You Probably Have Other Options[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.22.0&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;1000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]See What They Are[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.22.0&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;79px&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1500ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;2000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]You may have an idea of how to resolve your financial situation, but it&#8217;s very possible that other viable options are available to you &#8211; 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&#8217;s worth taking a few minutes to see what your options look like and whether you think you&#8217;d like to look into any of them further.[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool-medium&#8221; button_text=&#8221;See Your Options&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.22.0&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_border_width=&#8221;2px&#8221; button_border_radius=&#8221;8px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; z_index=&#8221;1&#8243; animation_style=&#8221;fade&#8221; animation_duration=&#8221;2000ms&#8221; animation_starting_opacity=&#8221;30%&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; 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transform_translate_tablet=&#8221;&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|phone&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|phone&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|phone&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|phone&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; max_width=&#8221;150px&#8221; max_width_tablet=&#8221;122px&#8221; max_width_phone=&#8221;116px&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_tablet=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_phone=&#8221;-25px|0px|-25px||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|42px||42px|false|true&#8221; custom_padding_tablet=&#8221;0px|50px||0px|false|false&#8221; custom_padding_phone=&#8221;40px|60px|0px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; filter_opacity=&#8221;30%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text content_tablet=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#5b25af&#8221; header_font_size=&#8221;42px&#8221; header_line_height=&#8221;1.3em&#8221; header_2_font=&#8221;Work Sans|600|||||||&#8221; header_2_text_color=&#8221;#5b25af&#8221; header_2_font_size=&#8221;42px&#8221; width=&#8221;94%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;|0px|0px|0px|false|true&#8221; custom_padding=&#8221;|0px||89px|true|false&#8221; custom_padding_tablet=&#8221;|||51px|true|false&#8221; custom_padding_phone=&#8221;|||38px|true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;font-weight: 600;||    font-size: 42px;||    color: #2b2b2b!important;||    line-height: 1.3em;||    text-align: left;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Solutions and alternatives that I had no idea existed<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Testimonial &#8211; Sandra&#8221; _builder_version=&#8221;4.16&#8243; transform_translate_linked=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;15px|0px|0px|0px|false|true&#8221; custom_padding=&#8221;0px|89px|0px|89px|true|true&#8221; custom_padding_tablet=&#8221;|0px||51px|true|false&#8221; custom_padding_phone=&#8221;|40px||40px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The counsellor was of great help and opened my eyes to a lot of solutions and alternatives that I had no idea existed. He was very easy to talk to, and very knowledgeable. I\u2019m impressed with what I took away from the session, and will be back to start taking steps with the Credit Counselling Society once my job situation is sorted.<\/p>\n<p><strong>Sandra<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e4f8e0&#8243; custom_margin=&#8221;||-3px|||&#8221; custom_padding=&#8221;160px||0px|||&#8221; custom_padding_tablet=&#8221;||160px||false|false&#8221; custom_padding_phone=&#8221;60px||95px||false|false&#8221; top_divider_style=&#8221;curve2&#8243; top_divider_height_tablet=&#8221;70px&#8221; top_divider_height_phone=&#8221;60px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;off|off|on&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||110px||false|false&#8221; custom_padding_tablet=&#8221;0px||0px||false|false&#8221; custom_padding_phone=&#8221;70px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/avoid-consumer-trap_2colm.jpg&#8221; alt=&#8221;Avoid Consumer Proposal Traps&#8221; title_text=&#8221;avoid-consumer-trap&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; max_height=&#8221;575px&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding_tablet=&#8221;||5px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;off|off|on&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||110px||false|false&#8221; custom_padding_tablet=&#8221;0px||0px||false|false&#8221; custom_padding_phone=&#8221;5px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||true&#8221; custom_margin_tablet=&#8221;-15px||-15px||true|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding_tablet=&#8221;0px||||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<h2>Avoid Consumer Proposal Traps<\/h2>\n<p>There are some debt relief companies that advertise consumer proposals as a quick and easy way to get rid of your debts. However, only a licensed insolvency trustee can file paperwork for a consumer proposal. What these debt relief companies do is charge thousands in fees only to refer you to a trustee who then charges the real proposal fees. Here&#8217;s how to avoid getting ripped off:<\/p>\n<ul>\n<li>Talk to a local non-profit credit counsellor first. They will review your financial situation with you and help you understand all possible solutions for your debt. Talking to a non-profit credit counsellor is typically free, and they can refer you to a reputable trustee that they trust if it looks like a consumer proposal may be a viable option for you.<\/li>\n<li>Never pay money to anyone for consumer proposal services except a licensed insolvency trustee. By law, only a trustee can fill out the paperwork for and negotiate consumer proposals. Anyone else who does this is either tricking you or breaking the law.<\/li>\n<li>Watch out for commission-based debt consultants. Ask how the person helping you gets paid. Many debt consultants get paid more if you choose certain options and less or nothing if you choose others. Make sure their \u201csolution\u201d for you is in your best interest and not just theirs.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Avoid Consumer Proposal Traps<\/h2>\n<p>There are some debt relief companies that advertise consumer proposals as a quick and easy way to get rid of your debts. However, only a licensed insolvency trustee can file paperwork for a consumer proposal. What these debt relief companies do is charge thousands in fees only to refer you to a trustee who then charges the real proposal fees. Here&#8217;s how to avoid getting ripped off:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;on|on|off&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||110px||false|false&#8221; custom_padding_tablet=&#8221;90px||90px||false|false&#8221; custom_padding_phone=&#8221;70px||70px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Talk to a local non-profit credit counsellor first. They will review your financial situation with you and help you understand all possible solutions for your debt. Talking to a non-profit credit counsellor is typically free, and they can refer you to a reputable trustee that they trust if it looks like a consumer proposal may be a viable option for you.<\/li>\n<li>Never pay money to anyone for consumer proposal services except a licensed insolvency trustee. By law, only a trustee can fill out the paperwork for and negotiate consumer proposals. Anyone else who does this is either tricking you or breaking the law.<\/li>\n<li>Watch out for commission-based debt consultants. Ask how the person helping you gets paid. Many debt consultants get paid more if you choose certain options and less or nothing if you choose others. Make sure their \u201csolution\u201d for you is in your best interest and not just theirs.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/avoid-consumer-trap_2colm.jpg&#8221; alt=&#8221;Avoid Consumer Proposal Traps&#8221; title_text=&#8221;avoid-consumer-trap&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; max_height=&#8221;575px&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding_tablet=&#8221;||5px||false|false&#8221; 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background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Have some consumer proposal questions?<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Will a consumer proposal work for you?<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>To help you figure out if filing a registered consumer proposal is the best option for you, contact us to find out about all of your options. One of our counsellors will be happy to carefully review your whole financial situation and answer your consumer proposal questions. Speaking with our certified debt counsellors is always free, confidential and without obligation.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us&#8221; button_text=&#8221;Let Us Help You&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||80px|||&#8221; custom_padding_tablet=&#8221;||35px||false|false&#8221; custom_padding_phone=&#8221;&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;\t&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/costs-of-consumer-proposal_2colm.jpg&#8221; alt=&#8221;Costs Of Consumer Proposal&#8221; title_text=&#8221;costs-of-consumer-proposal&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>How Much Does a Consumer Proposal Cost?<\/h2>\n<p>The costs for your consumer proposal will be laid out in the agreement you are asked to sign by the Licensed Insolvency Trustee and are regulated under the Bankruptcy Insolvency Act in Canada.<\/p>\n<p>But what if your proposal gets rejected? The fact is that creditors will only accept a proposal that gives them more value than if you declared bankruptcy. They figure this out by looking through the financial info you gave them in your consumer proposal paperwork.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;15px|38px||38px|false|true&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;|-37px||-37px|false|true&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If your proposal is rejected, the challenge is that your creditors will now know everything about your assets and liabilities \u2013 because your trustee provided this info on the paperwork. This can make it harder to negotiate payments for other options in the future, like when your mortgage comes up for renewal. The true cost of a consumer proposal can go well beyond \u00a0the dollars and cents.<\/p>\n<p>If your consumer proposal is accepted and you\u2019re unable to maintain your monthly payments, the consumer proposal could be annulled. Collection activities will resume while you try to figure out what to do and your creditors will come after you again for everything you still owe &#8211; knowing full well about all your assets and liabilities. Whether successful or not, consumer proposals are also public record. Finally, it will damage your credit rating for as much as 6 years (5 years of payments plus 1 year once they\u2019re done).\u00a0<\/p>\n<p>Make sure that a consumer proposal is truly the best option for you before committing to one,\u00a0especially if you have joint debt, or a partner in your household who is not part of the debt. If you have any consumer proposal questions we can help\u00a0you figure them out for free.\u00a0<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Full Page Width Image with CTA&#8221; _builder_version=&#8221;4.5.3&#8243; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_241856009_extra-dark-scaled.jpg&#8221; max_width=&#8221;100%&#8221; min_height=&#8221;780px&#8221; min_height_tablet=&#8221;600px&#8221; min_height_phone=&#8221;650px&#8221; min_height_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;228px||1px||false|false&#8221; custom_padding_tablet=&#8221;150px||1px||false|false&#8221; custom_padding_phone=&#8221;130px||||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#ffffff&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#5b25af&#8221; 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_builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;44px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset1&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Discover your options<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph Message&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.4em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;79px&#8221; custom_margin=&#8221;-11px||40px|||&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset1&#8243; text_text_shadow_color=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Between financial difficulty and bankruptcy are many options. Our credit counsellors specialize in helping you explore your options and alternatives to discover which one will work best for you.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Make an Appointment&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.3&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_border_width=&#8221;2px&#8221; button_border_radius=&#8221;8px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; z_index=&#8221;1&#8243; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Get the clarity you need.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.27.2&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;10px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Contact a non-profit credit counsellor.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.27.2&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;430px&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;25px||25px||false|false&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Between financial difficulty and bankruptcy are many options. At a time like this, it can be helpful to sit down with a knowledgeable credit counsellor who can talk through all your options and make a plan to resolve your difficulties. Contact us from Alberta, BC, Manitoba, Ontario, Saskatchewan, the Yukon, or the Territories. Once you can see your way out, you can regain your peace of mind and move forward with confidence.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Talk with us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_use_icon=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.27.2&#8243; background_color=&#8221;#4e128c&#8221; animation_direction=&#8221;right&#8221; 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font-weight: 700; font-size: 20px;\">Get Some Help \u2013 It&#8217;s Free<\/pee><!-- [et_pb_line_break_holder] -->      <pee style=\"padding-left: 20px; padding-right: 20px; margin-top: -10px;\">Get a free appointment to explore your options and get back on track.<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY BELOW *** <\/note><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script><!-- [et_pb_line_break_holder] -->    <script><!-- [et_pb_line_break_holder] -->      hbspt.forms.create({<!-- [et_pb_line_break_holder] -->        portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->        formId: \"d9fc5ef3-96fb-4e84-ae29-09eb338855d3\"<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    <\/script><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY ABOVE *** <\/note><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/form>\n<p><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Related Topics&#8221; _builder_version=&#8221;4.19.0&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;70px|0px|100px|0px|false|false&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;50px||0px||false|false&#8221; top_divider_arrangement=&#8221;above_content&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;27px|0px|27px|0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; header_font=&#8221;Work Sans|600|||||||&#8221; header_2_font=&#8221;||||||||&#8221; header_2_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;Work Sans||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||2px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; header_font_size__hover=&#8221;30px&#8221; header_font_size__hover_enabled=&#8221;30px&#8221; header_letter_spacing__hover=&#8221;0px&#8221; header_letter_spacing__hover_enabled=&#8221;0px&#8221; header_text_shadow_style__hover=&#8221;none&#8221; header_text_shadow_style__hover_enabled=&#8221;none&#8221; header_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<h2>Related Topics<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Related Article Cards | Desktop&#8221; _builder_version=&#8221;4.27.4&#8243; width=&#8221;70%&#8221; max_width=&#8221;1600px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic.jpg&#8221; alt=&#8221;getting rid of debt&#8221; title_text=&#8221;getting-rid-of-debt&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Getting Rid of Debt<\/h3>\n<p>We&#8217;re happy to help you figure out your options. There are more than you might think.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;https:\/\/nomoredebts.org\/debt-help\/consumer-proposal\/consumer-proposal-vs-bankruptcy&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/insolvency-options_related_topic.jpg&#8221; alt=&#8221;insolvency options&#8221; title_text=&#8221;insolvency-options&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; link_option_url=&#8221;\/debt-help\/debt-management-program&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Insolvency Options<\/h3>\n<p>Canada has 2 insolvency options, a consumer proposal or bankruptcy. Find out how they stack up.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help\/credit-counselling&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg&#8221; alt=&#8221;signing agreement with advisor&#8221; title_text=&#8221;credit-counselling&#8221; _builder_version=&#8221;4.16&#8243; border_radii=&#8221;off|8px|8px||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Credit Counselling<\/h3>\n<p>Are you curious about what credit counselling is or how it works? Here&#8217;s what you need to know.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Related Article Swipe Cards | Mobile&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;3px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)&#8221; _builder_version=&#8221;4.22.0&#8243; global_colors_info=&#8221;{}&#8221;]<!-- Link Swiper's CSS --><!-- [et_pb_line_break_holder] --><link rel=\"stylesheet\" href=\"https:\/\/unpkg.com\/swiper\/css\/swiper.min.css\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- Demo styles --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->    .swiper-container {<!-- [et_pb_line_break_holder] -->     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decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal\/consumer-proposal-vs-bankruptcy\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/07\/insolvency-options_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\/credit-counselling\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/06\/credit-counselling_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- Spacer --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-spacer\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- Add Pagination --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div 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<\/p>\n<div class=\"face-container\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-1\"><!-- [et_pb_line_break_holder] -->          \t<img decoding=\"async\" id=\"face-1-really-not-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-1-very-sad.png\" alt=\"Helpfulness of page - face 1\" width=50px;><!-- [et_pb_line_break_holder] -->      \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-2\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-2-not-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-2-sad.png\"  alt=\"Helpfulness of page - face 2\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-3\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-3-neutral\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-3-no-emotion.png\" alt=\"Helpfulness of page - face 3\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-4\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-4-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-4-glad.png\" alt=\"Helpfulness of page - face 4\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-5\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-5-very-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-5-happy.png\" alt=\"Helpfulness of page - face 5\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div id=\"face-click-result\" hidden><!-- [et_pb_line_break_holder] -->          <\/p>\n<form id=\"response-form\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"msg-response\" id=\"msg-area\"><!-- [et_pb_line_break_holder] -->              <label for=\"msg\">How could we make this page better?<\/label><!-- [et_pb_line_break_holder] -->              <textarea id=\"pages_url\" name=\"page_url\" hidden><\/textarea><!-- [et_pb_line_break_holder] -->              <textarea id=\"survey-type\" name=\"survey-type\" hidden><\/textarea><!-- [et_pb_line_break_holder] -->              <textarea id=\"face_choice\" name=\"face-choice\" hidden><\/textarea><!-- [et_pb_line_break_holder] -->              <textarea id=\"msg\" name=\"visitor_suggestion\"><\/textarea><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"msg-response\" id=\"msg-area\"><!-- 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