Debt Options

CONSUMER PROPOSAL

A consumer proposal addresses unsecured debt that can take on five aspects.

Advantages of a Consumer Proposal Over Bankruptcy

BANKRUPTCY

Bankruptcy clears all unsecured debt within 9 to 21 months and gives an individual a fairly easy “fresh start.” Bankruptcy immediately stops all collection processes by your creditors.

CREDIT COUNSELLING

Analyze your current financial situation by going over a monthly spending plan/budget for your individual profile. Ways to Keep and maintain Good Credit.

BUDGETING

Budgeting is the process of creating a plan to spend your money. Budgeting is simply balancing your expenses with your income. Creating this spending plan allows you to determine in advance