About Us

Welcome to Consumer Proposals Hub –
Your Trusted Partner in Financial Freedom!


At Consumer Proposals Hub, we understand that managing your finances can be overwhelming, and we're here to help you regain control of your financial future. We specialize in providing expert guidance and resources on consumer proposals, empowering individuals like you to take charge of their debt and pave the way towards a debt-free life.

Our Mission


Our mission is simple yet profound: to assist individuals who are struggling with debt by providing them with the knowledge, tools, and support they need to make informed decisions about their financial well-being.

We believe that everyone deserves a fresh start and a chance to achieve their financial goals, and we're committed to helping you achieve just that.

Why Choose Consumer Proposals Hub?

Expertise: Our team of experienced financial experts and certified credit counselors are here to guide you through the intricacies of consumer proposals. We provide reliable, up-to-date information and solutions tailored to your unique financial situation.

Empowerment: We believe in empowering you with the knowledge and resources to make informed decisions about your financial future. We'll explain the pros and cons of consumer proposals, ensuring you have the tools you need to make the best choice for your circumstances.

Support: Facing financial challenges can be daunting, but you don't have to go through it alone. Our compassionate and dedicated team is here to offer guidance, answer your questions, and provide support every step of the way.

Transparency: We value transparency in all our interactions. You can trust us to provide honest, clear, and accurate information about consumer proposals and the debt relief process.

Customized Solutions: We understand that no two financial situations are alike. That's why we work with you to develop personalized strategies that align with your goals and needs.

Get Started Today!

Are you ready to take the first step toward a debt-free future? Contact Consumer Proposals Hub today for a free consultation and discover how a consumer proposal can help you regain your financial freedom. We're committed to helping you achieve a brighter, debt-free tomorrow.

Frequently Asked Questions

Empowering Your Financial Future, One Proposal at a Time

What is a Consumer Proposal?

A Consumer Proposal is a formal debt settlement arrangement regulated by the government of Canada. It allows individuals to negotiate with their creditors to repay a portion of their debt over a set period, usually up to five years, in a more manageable way.

Who is eligible for a Consumer Proposal?

Most unsecured debts, such as credit card debt and personal loans, can be included in a Consumer Proposal. To be eligible, you must have a stable source of income and owe less than $250,000 (excluding your mortgage) as of the date you file.

How does a Consumer Proposal affect my creditors?

When you file a Consumer Proposal, it legally binds all your unsecured creditors. They must stop all collection activities, including calls, letters, and legal actions. Creditors then have the opportunity to vote on whether to accept your proposal.

What are the advantages of a Consumer Proposal?

Some benefits of a Consumer Proposal include lower monthly payments, a fixed repayment schedule, and protection from legal actions by creditors. It also allows you to keep your assets and avoid the stigma of bankruptcy.

Are there any disadvantages to a Consumer Proposal?

While a Consumer Proposal offers several advantages, it will appear on your credit report for three years after you complete it. This can affect your ability to obtain credit during that time.

What Does the Trustee Do?

The insolvency or bankruptcy trustees job is to:

  • Explain your options

  • Give advice and information

  • Complete all documentation

  • Deal with creditor on your behalf

  • Guide and help you through the bankruptcy process

As well, bankrupts are required to complete two financial counselling sessions, directed by the trustee.

How is the amount to be paid in a Consumer Proposal determined?

The amount you offer to pay in your Consumer Proposal is based on your income, expenses, and the value of your assets. It should be an amount that you can reasonably afford.

Can I make changes to my Consumer Proposal once it's accepted?

It is possible to modify your Consumer Proposal under certain circumstances, but any changes must be approved by your creditors and the court.

Will my Consumer Proposal be accepted by creditors?

The acceptance of your Consumer Proposal depends on your creditors' votes. If the majority in dollar value of your creditors approve it, your proposal is considered accepted.

What happens if my Consumer Proposal is not accepted?

If your Consumer Proposal is not accepted, you have the option to revise and resubmit it. Alternatively, you may explore other debt relief options, such as bankruptcy.

How long does a Consumer Proposal stay on my credit report?

A Consumer Proposal will remain on your credit report for three years after you complete it. Afterward, it will be removed from your credit history. It's crucial to consult with a licensed insolvency trustee or financial advisor to determine if a Consumer Proposal is the right solution for your specific financial situation.

Client Voices: Our Success Stories and Testimonials

"At, Consumer Proposals Hub, we don't just help with your financial challenges; we care about your journey toward a debt-free future because your well-being matters to us."

Emily Wexler

When I was drowning in debt and feeling overwhelmed, their team stepped in and guided me through the entire consumer proposal process with professionalism and empathy. From the initial consultation to the final approval, they were with me every step of the way.

John & Mary Klim

We recently used Consumer Proposals Hub to help us navigate our financial difficulties through a consumer proposal. Overall, we had a positive experience with them. Their team was knowledgeable, and they did a great job explaining the entire process to us. They also helped negotiate with our creditors and create a proposal that we could afford.

Alex Gorshkovich

I can't thank Consumer Proposals Hub enough for the incredible support they provided during one of the toughest periods of my life. From the very first meeting, they made me feel at ease and assured me that they could help me find a way out of my debt nightmare.