{"id":7754,"date":"2018-08-20T08:40:50","date_gmt":"2018-08-20T15:40:50","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=7754"},"modified":"2025-11-03T09:26:15","modified_gmt":"2025-11-03T17:26:15","slug":"how-much-does-it-cost-to-file-a-consumer-proposal","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/how-much-does-it-cost-to-file-a-consumer-proposal\/","title":{"rendered":"How Much Does it Cost to File a Consumer Proposal?"},"content":{"rendered":"\n<p>A Consumer Proposal allows you to consolidate and cut your debt by up to 80%, without added fees or interest. You need to work with a Licensed Insolvency Trustee to file a Consumer Proposal and there is no added cost to you for the administration of your Consumer Proposal, and support from your Licensed Insolvency Trustee throughout the Consumer Proposal process. Read on to learn more about Consumer Proposal costs and payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-will-it-cost-me-to-file-a-consumer-proposal\"><strong>What Will it Cost Me to File a Consumer Proposal?<\/strong><\/h2>\n\n\n\n<p>The fees of the Licensed Insolvency Trustee who files your <a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/\">Consumer Proposal<\/a> are set by federal law and government tariff, and these fees include all the costs for completing the administration of your Consumer Proposal \u2013 start to finish.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Because Licensed Insolvency Trustee\u2019s fees are set by tariff, you will not be billed or invoiced \u2013 these fees are simply paid out of the money your creditors receive under the Consumer Proposal, and no additional cost is paid by you as the person who is making the Consumer Proposal.<\/li>\n\n\n\n<li>There is no interest charged on the debt consolidated in your Consumer Proposal.<\/li>\n<\/ul>\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<p>In simple terms:&nbsp;<strong>You do not need to pay what you are offering to your creditors plus a fee \u2013 <em>everything<\/em> is included in one simple monthly payment.<\/strong><\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-monthly-consumer-proposal-payments-work\"><strong>How Do Monthly Consumer Proposal Payments Work?<\/strong><\/h2>\n\n\n\n<p>The Consumer Proposal amount offered to your creditors will be based on several factors, including your income and overall debt, and you will make your monthly payments directly to your Licensed Insolvency Trustee.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your Licensed Insolvency Trustee will deal with your creditors on your behalf, and will periodically distribute payments to your creditors, in accordance with your specific Consumer Proposal terms.<\/li>\n<\/ul>\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<p>Generally if you are&nbsp;<a href=\"https:\/\/www.sands-trustee.com\/blog\/consolidating-debt-consumer-proposal-step-by-step\/\">making a Consumer Proposal<\/a> working with Sands &amp; Associates, you will pay nothing up front, and only pay your first monthly Proposal payment within the first month after you sign your official Consumer Proposal documents.<\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<p>For example: Your Consumer Proposal to settle total consolidated debts of $35,000 offers to repay a total of $10,800 to your creditors, which you will pay by monthly payments of $300 for 36 months. You would then pay:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$300 within 30 days of signing and filing your official Consumer Proposal\n<ul class=\"wp-block-list\">\n<li>No payments are required in advance of the filing \u2013 <u>there are zero upfront fees<\/u><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>$300 per month, for the remaining 35 months of your Proposal<\/li>\n<\/ul>\n\n\n\n<p>In the scenario above, you would only have to repay around 30% of your total debt to have it considered settled in full, and interest charges and penalties from your creditors will immediately stop upon filing your Consumer Proposal.<\/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<p>All you need to pay in your Consumer Proposal is <a href=\"https:\/\/www.sands-trustee.com\/blog\/much-debt-will-consumer-proposal-eliminate\/\">what you are offering to your creditors<\/a> \u2013 costs of administration, and the Licensed Insolvency Trustee fee are essentially paid by your creditors.<\/p>\n\n\n\n    <div class=\"compare-your-debt-options-block-wrapper \">\n        <div class=\"compare-your-debt-options\">\n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/themes\/sands-trustee\/images\/home\/compare-debt-options.png\" width=\"95\" height=\"57\" alt=\"Compare Your Debt Options\"\/>\n    <h2>Compare Your Debt Options<\/h2>\n    <div class=\"text\">\n        <p>Enter your total amount of debt (excluding mortgage and car loan) and we&#8217;ll show you a list of options.<br\/><\/p>\n        <form name=\"home_calc\" action=\"\/free-debt-consultation\/debt-options-calculator\/#highcharts-0\" method=\"post\">\n            <input type=\"number\" name=\"amount\" id=\"calc-input\" placeholder=\"Amount of Debt\" required\/><br \/>\n            <input class=\"form_submit\" type=\"submit\" onclick=\"ga(ga.getAll()[0].get('name') + '.send', 'event', 'Assessment Tool', 'Calculate', 'Home');\" value=\"Calculate Debt Options Now\">\n        <\/form>\n    <\/div>\n<\/div>    <\/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-transparency-in-the-consumer-proposal-process-nbsp\"><strong>Transparency in the Consumer Proposal Process<\/strong><strong>&nbsp;<\/strong><\/h2>\n\n\n\n<p>At the end of your Consumer Proposal, you and the creditors included in your Consumer Proposal will receive a final accounting document called a&nbsp;<em>Statement of Receipts and Disbursements<\/em>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This official document helps to provide full transparency and will detail all payments made through the Consumer Proposal and show a clear breakdown of the legal tariffs that were used to determine <a href=\"https:\/\/www.sands-trustee.com\/blog\/trustee-get-paid\/\">the Trustee\u2019s fees and the government\u2019s levy (charge)<\/a>.<\/li>\n\n\n\n<li>The Statement of Receipts and Disbursements will also detail the creditors that received debt settlement payments (called dividends) through the Consumer Proposal, and exactly how much each creditor received.<\/li>\n<\/ul>\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<p>It\u2019s very important for individuals to know and understand that in Canada&nbsp;<a href=\"https:\/\/www.sands-trustee.com\/blog\/what-is-a-licensed-insolvency-trustee\/\">only&nbsp;a Licensed Insolvency Trustee can file a Consumer Proposal<\/a>&nbsp;and no referral is required to speak to with a Licensed Insolvency Trustee.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confidential consultations to explore Consumer Proposals and other debt solutions together with a Licensed Insolvency Trustee are free of charge, with no required commitment to proceed further.<\/li>\n\n\n\n<li>There is no need to hire a third party to work with a Licensed Insolvency Trustee \u2013 <a href=\"https:\/\/www.sands-trustee.com\/blog\/unqualified-debt-advisors-what-consumers-need-to-know\/\">beware of companies selling unnecessary add-on services<\/a>.<\/li>\n\n\n\n<li>Licensed Insolvency Trustees are uniquely qualified and are Canada\u2019s only official debt help experts.<\/li>\n<\/ul>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<p><strong>Find out how a Consumer Proposal could work for you,&nbsp;<\/strong><a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\"><strong>book your free confidential debt consultation<\/strong><\/a><strong>&nbsp;with Sands &amp; Associates today. We have a network of&nbsp;local&nbsp;<\/strong><a href=\"https:\/\/www.sands-trustee.com\/locations\/\"><strong>BC offices<\/strong><\/a><strong>&nbsp;to serve you online and in-person.<\/strong><\/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>A Consumer Proposal allows you to consolidate and cut your debt by up to 80%, without added fees or interest. You need to work with a Licensed Insolvency Trustee to file a Consumer Proposal and there is no added cost to you for the administration of your Consumer Proposal, and support from your Licensed Insolvency [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":12798,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[257,259],"tags":[38,39,232,37,53,117,120,50,242,43,350,238,305,42,246,204,349,35],"class_list":["post-7754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-proposals","category-debt-consolidation-counselling","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-consumer-proposal-cost","tag-consumer-proposals","tag-credit-card-debt","tag-credit-counselling","tag-credit-counsellor","tag-debt","tag-debt-advice","tag-debt-consolidation","tag-debt-expert","tag-debt-help","tag-debt-relief","tag-debt-settlement","tag-debt-solutions","tag-licensed-insolvency-trustee","tag-licensed-insolvency-trustee-fee","tag-sands-associates"],"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>How Much Does a Consumer Proposal Cost? 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