[fusion_builder_container type=”flex” hundred_percent=”yes” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” border_style=”solid” padding_right=”0px” padding_left=”0px” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ admin_label=”Blog” admin_toggled=”no”][fusion_builder_row][fusion_builder_column type=”1_2″ type=”1_2″ layout=”1_2″ align_self=”auto” content_layout=”column” align_content=”flex-start” content_wrap=”wrap” center_content=”no” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” type_medium=”1_1″ type_small=”1_1″ order_medium=”1″ order_small=”1″ spacing_right=”0px” padding_top_medium=”70px” padding_right_medium=”50px” padding_bottom_medium=”70px” padding_left_medium=”50px” padding_top_small=”50px” padding_right_small=”50px” padding_bottom_small=”50px” padding_left_small=”50px” padding_top=”90px” padding_right=”90px” padding_bottom=”90px” padding_left=”90px” hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_color=”#2e2e48″ background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” animation_direction=”left” animation_speed=”0.3″ filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ last=”false” border_position=”all” first=”true” min_height=”” link=””][fusion_title title_type=”text” rotation_effect=”bounceIn” display_time=”1200″ highlight_effect=”circle” loop_animation=”off” highlight_width=”9″ highlight_top_margin=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” content_align=”left” size=”1″ font_size=”28px” text_shadow=”no” text_shadow_blur=”0″ margin_bottom=”15px” text_color=”#b19160″ style_type=”none” animation_direction=”left” animation_speed=”0.3″]

Consumer proposals

[/fusion_title][fusion_text rule_style=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” text_color=”#ffffff” animation_direction=”left” animation_speed=”0.3″]You don’t have to go bankrupt to be protected. If formal protection is what you need, our goal is to assist you in consolidating your debts into an affordable arrangement through a proposal to your creditors. We will arrange for all of the paperwork to be filed and will deal with your creditors directly. As long as the majority of your participating creditors are in favour of your offer (they vote based on the amount you owe them), it will become a binding agreement. As long as you keep up the payments and meet your duties the creditors are forever prevented from pursuing you.[/fusion_text][fusion_button link=”/contact” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” color=”custom” button_gradient_top_color=”rgba(207,14,17,0)” button_gradient_bottom_color=”rgba(207,14,17,0)” button_gradient_top_color_hover=”rgba(181,0,14,0)” button_gradient_bottom_color_hover=”rgba(181,0,14,0)” accent_hover_color=”#b19160″ border_color=”#ffffff” border_hover_color=”#b19160″ stretch=”default” icon_position=”left” icon_divider=”no” animation_direction=”left” animation_speed=”0.3″ border_top=”2px” border_right=”2px” border_bottom=”2px” border_left=”2px”]Contact Andrea[/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_2″ type=”1_2″ layout=”1_2″ align_self=”stretch” content_layout=”column” align_content=”flex-start” content_wrap=”wrap” center_content=”no” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” type_medium=”1_1″ type_small=”1_1″ order_medium=”2″ order_small=”2″ spacing_left=”0px” hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”image” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_image=”http://andreaorr.com/wp-content/uploads/2021/03/consumer-proposal.jpg” background_position=”center center” background_repeat=”no-repeat” background_blend_mode=”none” animation_direction=”left” animation_speed=”0.3″ filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ last=”true” border_position=”all” element_content=”” first=”false” min_height=”” link=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container type=”flex” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” flex_column_spacing=”0px” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”no” status=”published” border_sizes_top=”0px” border_sizes_right=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_style=”solid” padding_top_medium=”90px” padding_bottom_medium=”90px” padding_top_small=”50px” padding_bottom_small=”50px” padding_top=”110px” padding_bottom=”130px” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”left top” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ admin_label=”Service Icons” admin_toggled=”no”][fusion_builder_row][fusion_builder_column type=”1_1″ type=”1_1″ layout=”1_1″ align_self=”flex-start” content_layout=”column” align_content=”flex-start” content_wrap=”wrap” spacing=”yes” center_content=”no” target=”_self” min_height=”none” hide_on_mobile=”no” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ margin_top=”0px” margin_bottom=”20px” hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” animation_direction=”left” animation_speed=”0.3″ filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ last=”true” border_position=”all” first=”true” link=””][fusion_title title_type=”text” rotation_effect=”bounceIn” display_time=”1200″ highlight_effect=”circle” loop_animation=”off” highlight_width=”9″ highlight_top_margin=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” content_align=”center” size=”2″ text_shadow=”no” text_shadow_blur=”0″ margin_bottom=”10px” style_type=”none” animation_direction=”left” animation_speed=”0.3″]Why choose a consumer proposal?[/fusion_title][fusion_title title_type=”text” rotation_effect=”bounceIn” display_time=”1200″ highlight_effect=”circle” loop_animation=”off” highlight_width=”9″ highlight_top_margin=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” content_align=”center” size=”3″ text_shadow=”no” text_shadow_blur=”0″ margin_bottom=”20px” style_type=”none” animation_direction=”left” animation_speed=”0.3″]Before you choose bankruptcy, consider the benefits of a consumer proposal[/fusion_title][fusion_text rule_style=”default” content_alignment=”center” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” animation_direction=”left” animation_speed=”0.3″]A proposal offer is flexible – it can be a lump-sum payment, or can be done in periodic payments (usually monthly) for up to 5 years. The amount of the offer will depend on your income level and the value of your assets. Each situation is different and unique – we will review your details and come up with your best option. The three main benefits of a proposal over a bankruptcy are:[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ type=”1_1″ layout=”1_1″ background_position=”left top” border_style=”solid” spacing=”yes” background_repeat=”no-repeat” margin_top=”0px” margin_bottom=”0px” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” last=”true” hover_type=”none” border_position=”all” align_self=”flex-start” first=”true” link=””][fusion_content_boxes layout=”icon-on-top” columns=”3″ icon_align=”left” animation_direction=”left” animation_speed=”0.3″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” title_size=”16px” heading_size=”4″ title_color=”#1e242a” body_color=”#1e242a” iconspin=”no” iconcolor=”#cf0e11″ icon_circle=”yes” circlecolor=”#ffffff” circlebordercolor=”#1e242a” icon_size=”35″ hover_accent_color=”#1e242a”][fusion_content_box title=”The credit rating is not as severe – particularly for those debtors who have filed for bankruptcy in the past” icon=”fa-check fas” linktext=”Read More” animation_direction=”left” animation_speed=”0.3″ /][fusion_content_box title=”It’s affordable – the payments can go out as long as five years and can be amended when appropriate (subject to creditor approval)” icon=”fa-check fas” linktext=”Read More” animation_direction=”left” animation_speed=”0.3″ /][fusion_content_box title=”You keep your assets and your income” icon=”fa-check fas” linktext=”Read More” animation_direction=”left” animation_speed=”0.3″ /][/fusion_content_boxes][fusion_text rule_style=”default” content_alignment=”center” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” animation_direction=”left” animation_speed=”0.3″]Learn more details about consumer proposals or contact us and we will be happy to explain it. Remember, meetings with us are always free of charge.[/fusion_text][fusion_builder_row_inner][fusion_builder_column_inner type=”1_1″ type=”1_1″ layout=”1_1″ align_self=”center” content_layout=”row” align_content=”center” content_wrap=”wrap” center_content=”no” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ margin_top=”20px” hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” animation_direction=”left” animation_speed=”0.3″ filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ last=”true” border_position=”all” first=”true” min_height=”” link=””][fusion_button link=”http://www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/br02051.html” target=”_blank” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” color=”default” stretch=”default” margin_top=”5″ margin_right=”5″ margin_bottom=”5″ margin_left=”5″ icon_position=”left” icon_divider=”no” animation_direction=”left” animation_speed=”0.3″]Learn More[/fusion_button][fusion_button link=”/contact” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” color=”default” stretch=”default” margin_top=”5″ margin_right=”5″ margin_bottom=”5″ margin_left=”5″ icon_position=”left” icon_divider=”no” animation_direction=”left” animation_speed=”0.3″]Contact Andrea[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container type=”flex” hundred_percent=”yes” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” border_style=”solid” padding_right=”0px” padding_left=”0px” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ admin_label=”Blog” admin_toggled=”no”][fusion_builder_row][fusion_builder_column type=”1_2″ type=”1_2″ layout=”1_2″ align_self=”stretch” content_layout=”column” align_content=”flex-start” content_wrap=”wrap” center_content=”no” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” type_medium=”1_1″ type_small=”1_1″ order_medium=”1″ order_small=”1″ spacing_right=”0px” hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”image” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_image=”http://andreaorr.com/wp-content/uploads/2021/03/debt-collections.jpg” background_position=”center center” background_repeat=”no-repeat” background_blend_mode=”none” animation_direction=”left” animation_speed=”0.3″ filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ last=”false” border_position=”all” first=”true” element_content=”” min_height=”” link=””][/fusion_builder_column][fusion_builder_column type=”1_2″ type=”1_2″ layout=”1_2″ align_self=”auto” content_layout=”column” align_content=”flex-start” content_wrap=”wrap” center_content=”no” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” type_medium=”1_1″ type_small=”1_1″ order_medium=”2″ order_small=”2″ spacing_left=”0px” padding_top_medium=”70px” padding_right_medium=”50px” padding_bottom_medium=”70px” padding_left_medium=”50px” padding_top_small=”50px” padding_right_small=”50px” padding_bottom_small=”50px” padding_left_small=”50px” padding_top=”90px” padding_right=”90px” padding_bottom=”90px” padding_left=”90px” hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_color=”#2e2e48″ background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” animation_direction=”left” animation_speed=”0.3″ filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ last=”true” border_position=”all” first=”false” min_height=”” link=””][fusion_title title_type=”text” rotation_effect=”bounceIn” display_time=”1200″ highlight_effect=”circle” loop_animation=”off” highlight_width=”9″ highlight_top_margin=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” content_align=”left” size=”3″ font_size=”28px” text_shadow=”no” text_shadow_blur=”0″ margin_bottom=”15px” text_color=”#b19160″ style_type=”none” animation_direction=”left” animation_speed=”0.3″] Formal protection from creditors[/fusion_title][fusion_text rule_style=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” text_color=”#ffffff” animation_direction=”left” animation_speed=”0.3″]A formal filing will immediately protect you from:
Phone calls from collectors
Lawsuits or threats of lawsuits
Harassing letters
Scary threats from creditors
Frozen bank accounts
Garnishments by creditors
Garnishments from CRA
Formal filings would include proposal or bankruptcy. Only a Licensed Insolvency Trustee can file formal proceedings.[/fusion_text][fusion_button link=”/contact” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” color=”custom” button_gradient_top_color=”rgba(207,14,17,0)” button_gradient_bottom_color=”rgba(207,14,17,0)” button_gradient_top_color_hover=”rgba(181,0,14,0)” button_gradient_bottom_color_hover=”rgba(181,0,14,0)” accent_hover_color=”#b19160″ border_color=”#ffffff” border_hover_color=”#b19160″ stretch=”default” icon_position=”left” icon_divider=”no” animation_direction=”left” animation_speed=”0.3″ border_top=”2px” border_right=”2px” border_bottom=”2px” border_left=”2px”]Contact Andrea[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]