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Consumer Proposal Quebec

Cut 70% Of Your Debt. Save Your Home and Car!

What Is a Consumer Proposal in Quebec?

The consumer proposal is a legal agreement made on your behalf through a consumer proposal administrator to your creditors to settle your debts.

You will have a set schedule to pay off your debt, and you will often repay less than you originally owned.

A consumer proposal is a legally binding agreement between you and your creditors.

A consumer proposal helps you clear what you owe and gives you an affordable way to get out of debt.

You will not pay any interest charges on the debt that your creditors have not forgiven.

In order to qualify for a consumer proposal you must:

• Have debts of less than $250,000 ($500,000 for married couples making a joint consumer proposal),
• Be unable to make the payments as they become due on your debts (or you have already stopped making your minimum payments),
• Have insufficient assets to cover your debts if your assets were sold,
• Work with a Licensed Insolvency Trustee (LIT), as only a LIT is licensed by the Canadian government to file a consumer proposal on your behalf.

When you meet with a LIT (also known as a consumer proposal administrator), they will help you analyze your financial situation to see if a consumer proposal is a good fit for you.

If you and your Trustee determines a consumer proposal will work for you, your Trustee, acting as your consumer proposal administrator, will help you develop a debt repayment plan to propose to your creditors.

Once your creditors accept your proposal (over 99% of our consumer proposals are accepted), your agreement becomes a legally binding agreement between you and your creditors.

Quebec Consumer Proposal Pros and Cons


• The fees to file a consumer proposal are often more affordable than personal bankruptcy,
Debt collectors will stop harassing you, since wage garnishments, collection calls and other legal actions will cease once your proposal is agreed upon,
• Your assets will be protected when you file a consumer proposal, including assets that would be lost if you file for bankruptcy,
• A consumer proposal allows you to consolidate your debts into 1 easy to manage monthly payment that you make to your consumer proposal administrator,
• While you can't include your mortgage debt in a consumer proposal, it often becomes more easy to manage your mortgage payments because your other debt payments are reduced,
• Your consumer proposal administrator will handle all communications with your unsecured creditors.


• While it won't impact your credit as much as a bankruptcy, a consumer proposal still has a negative impact on your credit (although debtors making a proposal to get out of debt often already have poor credit),
• You will pay more to your creditors than if you go bankrupt,
• In very rare cases, your creditors can vote to reject your proposal.

Find Out More About Consumer Proposals Today

While a consumer proposal is a very attractive bankruptcy alternative, it is not right for everyone.

You must speak with a licensed debt help professional to learn about your other options and to see if a consumer proposal is right for you.

Fortunately we offer risk free, no-pressure and free consultation meetings with our experienced debt help professionals.

Please call us today to learn more about consumer proposals and how we can help you.

You can break free and get out of debt with our assistance.

Our friendly Licensed debt relief professionals understand how difficult a time this is for you.

This is why we always put you first when you turn to us for assistance with consumer proposal services.

We always put you first and make sure you are taken care of in a caring and respectful manner.

Our Licensed Insolvency Trustees understand the value of meeting with a debt professional that puts you first.

We will always take the time to listen to your concerns and make sure you feel comfortable dealing with us.

Our team of friendly Licensed Insolvency Trustees are ready to give you their expert opinions when you are ready.

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In order to see if a consumer proposal in Quebec is right for you, you need to meet with one of our debt experts for a free consultation.

Contact us if:

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  • Your bills are constantly piling up
  • Creditors are taking collection actions against you
  • You struggle to make the minimum payments on your debts
  • You are stressed because of your overwhelming debt situation

How our Consumer Proposal Solutions Can Help You

A consumer proposal is a popular alternative to bankruptcy that is available for all Canadian debtors with unsecured debts of $250,000 or less.

If you decide to proceed with our consumer proposal services, your licensed insolvency trustee, acting as your consumer proposal administrator, will contact your creditors to arrange an affordable debt repayment plan with a single monthly payment for a set period of time.

Often you will repay about 30 or 40% of your total debt owed under a consumer debt proposal plan.

Many people can avoid going bankrupt by taking advantage of a consumer proposal.

Proposal filings are gaining popularity all across Canada!

You can learn more about a consumer proposal by scheduling a FREE, no obligation, no pressure consultation meeting.

People that benefit from our services include:

Debtors that can't afford to repay all of their debts but can afford a fair payment agreement each month
People that are dealing with stress and worries due to their overwhelming debt
Debtors dealing with collection calls, wage garnishments and frozen bank accounts

Other BankruptcyCanada Debt Solutions

We are here to help Canadians with all kinds of debt relief solutions.

We have been helping people for over 20 years and we have the experience and knowlege to help you get out of debt.

In addition to consumer proposal services, we offer other debt relief solutions as well.

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Filing Bankruptcy

Bankruptcy allows you to get out of debt in the quickest and most cost affordable manner.
You will be able to keep your car and home in many cases and can be out of debt in as little as 9 months.
To learn more about going bankrupt, you can contact our Licensed Insolvency Trustees for a free debt relief evaluation.

In Quebec, your creditors have 45 days to vote on accepting or rejecting your consumer proposal.

The amount of debt you have will impact how much you should offer your creditors in your consumer proposal plan.

A record of your consumer proposal will remain on your credit report for 3 years after its successful completion.

If you are dealing with debt and are struggling to manage your finances we know it can be difficult to know what to do next.

There are many solutions available to you and we understand it can be difficult to know how to proceed.

At Bankruptcy Canada we have friendly and experienced debt experts in your area who can meet with you to help you understand the right solution to your unique money problems.

With our caring assistance we can help you explore all of your debt options and help you choose the correct path towards getting out of debt.

To learn about the debt relief options provided by the Licensed Insolvency Trustees of BankruptcyCanada please request a confidential debt consultation through our online form or by calling 877-879-4770 today.

Consumer Proposals in Quebec, QC

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"Thanks for helping me sleep again."

"The Trustee I met with was so friendly and pleasant. She made the process easy to understand and straightforward. Thank you for easing my worries and helping me sleep again!" - Simone Montreal, QC


All of the Licensed Insolvency Trustees of Bankruptcy Canada are members of CAIRP (Canadian Association of Insolvency and Restrucuring Professionals).
CAIRP is the governing body that advocates for the insolvency (bankruptcy and consumer proposal) process in Canada.