{"id":32,"date":"2011-05-12T21:15:43","date_gmt":"2011-05-12T21:15:43","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?page_id=32"},"modified":"2025-10-09T19:55:29","modified_gmt":"2025-10-10T02:55:29","slug":"consumer-proposals","status":"publish","type":"page","link":"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/","title":{"rendered":"Consumer Proposals in British Columbia"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-consumer-proposal\"><strong>What is a Consumer Proposal?<\/strong><\/h2>\n\n\n\n<p>A Consumer Proposal is a unique debt solution that allows you to settle your debts for less than you owe by making a \u201cdeal\u201d with your creditors and consolidating your debts into one manageable monthly payment. A Consumer Proposal provides a means to reducing and paying off debt and can be a successful debt management option for you &#8211; without resorting to&nbsp;<a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/personal-bankruptcy\/\">personal bankruptcy<\/a>. Consumer Proposals are the number one alternative to&nbsp;personal bankruptcy&nbsp;in Canada!<\/p>\n\n\n\n<p>By filing a Consumer Proposal, you are making a legal arrangement (or debt settlement) with your creditors where you only have to pay a portion of your debts to settle them in full, <em>without<\/em> borrowing or interest charges. This powerful tool has steadily gained in popularity in recent years and because Consumer Proposals provide automatic protection from your creditors and a freeze on any additional interest, they have many benefits compared to other debt consolidation options.<\/p>\n\n\n\n<p>A Consumer Proposal can be made by a person who owes between $1,000 and $250,000 of debt (not including mortgages on a personal residence). If the person\u2019s debts are more than $250,000, they may still be able to file a Proposal, but some different rules will apply.<\/p>\n\n\n\n<p>Watch Sands &amp; Associates\u2019 1-minute overview of Consumer Proposals:<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"responsive-iframe\"><iframe loading=\"lazy\" title=\"Consumer Proposals - In Plain English: What You Need to Know\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/-aX8i7Jqrv4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><em>Cut your debt by up to 75%, with no added interest or fees by filing a Consumer Proposal.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n    <div class=\"trustpilot-block-wrapper turquoise\">\n        <!-- TrustBox widget - Carousel -->\n<div class=\"trustpilot-widget\" data-locale=\"en-CA\" data-template-id=\"53aa8912dec7e10d38f59f36\" data-businessunit-id=\"5956a25a0000ff0005a5b1de\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"5\">\n<\/div>\n<!-- End TrustBox widget -->    <\/div>\n\n\n\n\n            <div class=\"background-block-wrapper blue\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-consumer-proposals-work\"><strong>How Do Consumer Proposals Work?<\/strong><\/h2>\n\n\n\n<p>Consumer Proposals allow you to consolidate and pay off virtually all types of debt, including but not limited to: general consumer debts like credit cards, overdrafts, payday loans or lines of credit, and government debts like student loans and Canada Revenue Agency tax debts. Working with a Licensed Insolvency Trustee you will offer to repay only the portion of the total debt (including accumulated interest) that you can afford to repay, with the unpaid balance being forgiven (written-off) by your creditors.<\/p>\n\n\n\n<p>The amount of time you have to complete your Consumer Proposal consolidation payments depends on your situation \u2013 it could be just a single lump-sum payment, or as long as 5 years \u2013 your proposal is tailored to your needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading blue\" id=\"h-who-manages-my-consumer-proposal-payments\">Who Manages My <strong>Consumer Proposal<\/strong> Payments?<\/h3>\n\n\n\n<p>Your creditors will be prohibited from charging you further interest or from contacting you for future payments \u2013 your Licensed Insolvency Trustee will essentially step into your shoes and act as your representative in corresponding with your creditors and facilitating your Consumer Proposal.&nbsp;Instead of making individual payments to each of your creditors to service each debt, you will simply make a single proposal payment (usually monthly) to your Licensed Insolvency Trustee. Your Consumer Proposal payment covers everything; from settling the debt to the services your Licensed Insolvency Trustee provides throughout the proposal\u2019s duration, there are no added fees or hidden charges to be paid by you.<\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient \" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-i-need-a-loan-to-make-a-consumer-proposal\"><strong>Do I Need a Loan to Make a Consumer Proposal?<\/strong><\/h3>\n\n\n\n<p>Because a Consumer Proposal is a legal debt management tool, no loan or borrowing is needed to make a Consumer Proposal, and your credit history is not a factor. A Licensed Insolvency Trustee can offer debt management services regardless of your credit score and history, whether positive or negative.<\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-debt-settlement-the-same-as-a-consumer-proposal\"><strong>Is Debt Settlement the same as a Consumer Proposal?<\/strong><\/h2>\n\n\n\n<p>Consumer Proposals are sometimes referred to as \u201cDebt Settlement Proposals\u201d but it\u2019s important to know that a debt settlement offer that is legally binding on your creditors and provides you with the full advantages of a Consumer Proposal <u>can only be filed by a Licensed Insolvency Trustee<\/u> (formerly known as a Trustee in Bankruptcy).<\/p>\n\n\n\n<p>Licensed Insolvency Trustees are the only debt help professional authorized and endorsed by the Federal and Provincial governments to help consumers manage their debts. Working with a Licensed Insolvency Trustee ensures you are receiving debt help from a fully qualified reputable professional and getting the benefits and protection of your consumer rights and transparency throughout the process.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient \" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life..<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-debt-consolidation-the-same-as-a-consumer-proposal\"><strong>Is Debt Consolidation the same as a Consumer Proposal?<\/strong><\/h2>\n\n\n\n<p>Although they may sound similar, filing a Consumer Proposal has significant distinct advantages compared to traditional debt consolidation, credit counselling programs or debt settlement services.<\/p>\n\n\n\n<p>Some of the advantages of filing a Consumer Proposal include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consolidating your debt without borrowing.<\/li>\n\n\n\n<li>Saving you money and reducing your monthly debt payments.<\/li>\n\n\n\n<li>Giving you breathing room from your debts and creditors.<\/li>\n\n\n\n<li>Having a clear \u201cdebt-free\u201d date (although you can pay off your Consumer Proposal early at any time without penalty).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-compare-key-debt-help-services\"><strong>Compare Key Debt Help Services<\/strong><\/h2>\n\n\n<div class=\"keylinks cols gap-20\">\n    <div class=\"keylink col\">\n                    <img decoding=\"async\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/themes\/sands-trustee\/shortcodes\/keylinks\/images\/sands-dollar-circle.svg\"\/>\n                <h2>CONSUMER PROPOSAL VS<br \/> CREDIT COUNSELLING<\/h2>\n        <div class=\"text\">\n            <h2>CONSUMER PROPOSAL VS<br\/>CREDIT COUNSELLING<\/h2>\n            <p>What\u2019s the difference between Consumer Proposal and traditional credit counselling? <\/p>\n            <div class=\"button-keylink\">\n            <a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/consumer-proposals-vs-credit-counselling\/\" class=\"red-btn\">Learn More<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"keylink col\">\n                    <img decoding=\"async\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/themes\/sands-trustee\/shortcodes\/keylinks\/images\/sands-bills.svg\"\/>\n                <h2>BANKRUPTCY VS<br \/> CONSUMER PROPOSAL<\/h2>\n        <div class=\"text\">\n            <h2>BANKRUPTCY VS<br\/>CONSUMER PROPOSAL<\/h2>\n                        <p>What are the Consumer Proposal pros and cons compared to bankruptcy?<\/p>\n            <div class=\"button-keylink\">\n            <a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/consumer-proposals-vs-bankruptcy\/\" class=\"red-btn\">Learn More<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"keylink col\">\n                    <img decoding=\"async\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/themes\/sands-trustee\/shortcodes\/keylinks\/images\/sands-piggy-bank.svg\"\/>\n                <h2>BANKRUPTCY VS<br \/> CREDIT COUNSELLING<\/h2>\n        <div class=\"text\">\n            <h2>BANKRUPTCY VS<br\/>CREDIT COUNSELLING<\/h2>\n            <p>What are some advantages of bankruptcy over non-profit credit counselling?<\/p>\n            <div class=\"button-keylink\">\n            <a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/personal-bankruptcy\/credit-counselling-proposals\/\" class=\"red-btn\">Learn More<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p><strong>Looking for something specific? <\/strong>Check our FAQs sections for commonly asked questions about <a href=\"https:\/\/www.sands-trustee.com\/faq\/consumer-proposal-bc\/\">Consumer Proposals<\/a>, <a href=\"https:\/\/www.sands-trustee.com\/faq\/bankruptcy-bc\/\">Personal Bankruptcy<\/a>, and <a href=\"https:\/\/www.sands-trustee.com\/faq\/debt-help-bc\/\">Debt Help in BC<\/a>.<\/p>\n\n\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-filing-a-consumer-proposal-in-bc-step-by-step\"><strong>Filing a Consumer Proposal in BC: Step-by-Step<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-details-container\">\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Meet with a local Sands &amp; Associates representative for a free debt consultation.<\/strong><\/summary>\n<p>We\u2019ll meet with you confidentially one-on-one to understand and assess your financial situation and discuss all the options available to resolve your debts.&nbsp;Together, we will determine a payment plan that works for you over the term of the proposal. Your income, family size and other relevant considerations will be taken into account to ensure your Consumer Proposal is affordable and set up for success from the start.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>We file your Consumer Proposal and administer the voting process.<\/strong><\/summary>\n<p>Your creditors have 45 days to consider your Consumer Proposal, although you will get relief from making further payments or collection action right away.&nbsp;Once your Consumer Proposal is filed, this will act as a \u2018shield\u2019 between you and your creditors. Interest will automatically be frozen and attempts to collect payment from you will cease immediately \u2013 this includes bank account freezes and even wage garnishments that creditors such as the Canada Revenue Agency may have put in place.<\/p>\n\n\n\n<p>If the majority of your creditors (by dollar value) vote to accept the proposal, your Consumer Proposal is accepted and is legally binding on all parties \u2013 even creditors who may not have voted to accept your proposal.&nbsp;Consumer Proposals have a very high success rate and are almost always accepted by creditors, as they will provide a better return than if you opted to declare personal bankruptcy instead.<\/p>\n\n\n\n<p><em><a href=\"https:\/\/www.sands-trustee.com\/blog\/what-happens-after-filing-a-consumer-proposal\/\">Learn More about What Happens After Filing a Consumer Proposal.<\/a><\/em><\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>You fulfill the terms of your Consumer Proposal, as accepted by your creditors.<\/strong><\/summary>\n<p>Make your regular (usually monthly) payments to your Licensed Insolvency Trustee, for distribution to your creditors. You may pay off your Consumer Proposal in full at any time, without penalty.&nbsp;Attend two private financial counselling sessions focused on credit improvement tips, budgeting and spending habits, money and debt management strategies.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Your Consumer Proposal is complete, achieving full and final settlement of your debts.<\/strong><\/summary>\n<p>After your last payment is made, your Licensed Insolvency Trustee will make a final distribution of funds to your creditors and issue you a Certificate of Full Performance. The unpaid balance of the debts included in your Consumer Proposal will be forgiven by your creditors.&nbsp;You are now debt-free and have achieved a financial fresh start!<\/p>\n<\/details>\n\n\n\n<\/div>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient \" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-consumer-proposal-examples\"><strong>Consumer Proposal Examples<\/strong><\/h2>\n\n\n\n<p>Below are some real-life examples of successful Consumer Proposals that Sands &amp; Associates has filed for just a few of the more than 50 thousand BC consumers we have helped over the years, to give you an idea as to how much debt a Consumer Proposal may write-off, and how a Consumer Proposal can be tailored to meet your needs and unique situation:<\/p>\n\n\n\n<\/div>\n    <div class=\"sands-block-carousel \">\n                    <div class=\"carousel\">\n                                    <div class=\"content\">\n                        <p>A person with <strong>debts of over $41,000<\/strong> structured a Consumer Proposal whereby all debts will be settled in full via <strong>total monthly payments of $350<\/strong> for a period of 60 months.<\/p>\n<p><strong>Debts cut by close to 50%!<\/strong><\/p>\n                    <\/div>\n                                    <div class=\"content\">\n                        <p>Another individual successfully consolidated their <strong>debts of approximately $55,000<\/strong> using a Consumer Proposal, with <strong>monthly payments of $650<\/strong> over a 36-month term.<\/p>\n<p><strong>Debts cut by nearly 60%!<\/strong><\/p>\n                    <\/div>\n                                    <div class=\"content\">\n                        <p>Yet another person used a Consumer Proposal to reduce <strong>their $9,000 debt<\/strong> down to a total <strong>monthly payment of $200<\/strong>, paid over 24 months.<\/p>\n<p><strong>Debts cut by almost 55%!<\/strong><\/p>\n                    <\/div>\n                                    <div class=\"content\">\n                        <p>A self-employed individual with <strong>total debts owing of $43,000<\/strong> (including tax debt) filed a Consumer Proposal to consolidate their debt repayment down to a <strong>total monthly payment of $230<\/strong> for 60 months.<\/p>\n<p><strong>Debts cut by nearly 70%!<\/strong><\/p>\n                    <\/div>\n                            <\/div>\n            <\/div>\n<div class=\"entry-content\">\n\n\n\n<p>Consumer Proposals are deliberately calculated to take each person\u2019s unique set of circumstances into consideration, allowing you to achieve the best possible outcome and make becoming debt-free an achievable goal. We\u2019re here to help you get a financial fresh start!<\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>What is a Consumer Proposal? A Consumer Proposal is a unique debt solution that allows you to settle your debts for less than you owe by making a \u201cdeal\u201d with your creditors and consolidating your debts into one manageable monthly payment. A Consumer Proposal provides a means to reducing and paying off debt and can [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9073,"parent":2475,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-32","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>All About Consumer Proposal Debt Consolidation | Sands &amp; Assoc.<\/title>\n<meta name=\"description\" content=\"Consolidate your debt without a loan or interest fees - learn how Consumer Proposals work and how to file a Consumer Proposal in BC.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Proposals in British Columbia\" \/>\n<meta property=\"og:description\" content=\"Consolidate your debt without a loan or interest fees - 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