Consumer proposal companies help people who are overwhelmed by debt but still want to avoid full bankruptcy. They work with licensed insolvency trustees who talk to your creditors, negotiate a reduced repayment plan, and basically say, “Look, my client can’t pay you the full thing, but they’re trying.” It’s like a legally binding financial peace treaty.
Transparency is a key criteria for a consumer proposal company. We want honest explanations of what the consumer proposal is, how it works, and what it costs. Look for companies that spell things out plainly, and explain each step without sounding like they’re trying to upsell you a financial package.
Licensing is another essential criteria. Check if the company works with licensed insolvency trustees. We need to know this consumer proposal is legit and backed by Canadian law. Dig into credentials, read the fine print, and verify their qualifications properly.
Long-term support is one of the most important criteria for consumer proposal companies. Check if the company offers budgeting tools, credit counselling, or check-ins after the initial paperwork is done. We like to see a plan that doesn’t end with “good luck.” Clients should leave feeling like they’ve got a clear path out of debt.
Best Consumer Proposal Company in Canada
Farber Debt Solutions has been untangling Canadian financial messes for over four decades. They have 75 offices across the country, so there is probably one near you. As licensed insolvency trustees, they can officially run consumer proposals and bankruptcies in Canada.
Their consumer proposal service can reduce unsecured debts like credit cards, tax bills, or ancient student loans (seven-year rule applies) by up to 80%. Once your proposal is accepted, interest stops piling up, collection calls stop interrupting your dinner, and you keep your belongings. Farber even does free, no-obligation consultations. Their fees are federally regulated, so there are no surprise “mystery charges” lurking in the fine print.
Farber's style is judgement-free, supportive, and personal. You get a confidential consultation, someone to prep and file your paperwork, negotiations with creditors on your behalf, and counselling to help you rebuild your credit.
Farber Consumer Proposal ReviewsFarber Debt Solutions knows how to take a consumer proposal and make it feel like a clear plan out of debt. According to the people who’ve worked with them, the team is professional, patient, and very good at explaining things in plain human language. Clients say Farber’s people actually care. They remember your name, answer your questions, and make sure you understand every step of the proposal.
Reviews often mention that Farber helped negotiate terms that turned terrifying debt numbers into something manageable. It’s fair, it’s affordable, and it’s fast enough that you don’t spend months in paperwork purgatory.
Farber Consumer Proposal Location1220 Sheppard Ave E, Suite #300, North York, ON M2K 2S5
Farber Consumer Proposal Phone Number(647) 578-7854
Farber Consumer Proposal Website
Consumer Proposal Company in British Columbia, Canada
Sands & Associates is basically the local legend of debt help in British Columbia. They are the biggest Licensed Insolvency Trustee firm in the province, and they focus only on personal and small-business debt. They have a big team of trustees and estate managers who are all about listening first and then tailoring a personalized plan. With offices all over BC, you can get face-to-face help.
Their consumer proposal service is a legal way to combine your unsecured debts into one monthly payment. No new loans. No extra interest. No creditors knocking on your door. Since they are Licensed Insolvency Trustees, they are the ones who prepare and run the proposal. Fees are taken straight from your payments, so there are no surprise charges lurking in your inbox.
Sands and Associates ReviewsSands & Associates has an excellent reputation as a financial firm. Reviewers talk about the team being patient, kind, and actually good at explaining the messy stuff without making it boring. When it comes to consumer proposals, the reviews get even sweeter. People describe finally being able to breathe again once their payment plan was set up. Words like “stress-free” and “non-judgmental” pop up a lot.
That said, not every review is positive. A handful of clients weren’t thrilled about the costs. Some also felt their more complicated cases didn’t get the attention they needed. Still, the general vibe is that if you want a process that helps you get your financial life out of the panic zone, Sands & Associates delivers.
Sands and Associates Location10366 136A St Suite 203, Surrey, BC V3T 5R3
Sands and Associates Phone Number(604) 583-5499
Consumer Proposal Company in Calgary, Alberta
Hudson & Company Insolvency Trustees is Calgary’s go-to squad for turning debt situations into something manageable. They work across Calgary and Southern Alberta. Their team includes Jeffrey Robert Price, Breanna Burkard-Smith, Steven Cooke and Stefan DuChene. This group of Licensed Insolvency Trustees are the people who can legally run consumer proposals and bankruptcies under government regulation.
A consumer proposal is a legal agreement that lets you settle unsecured debts into a single monthly payment. They prep and file everything, making the process as straightforward as possible while you just keep showing up to pay the agreed amount. They start with a free consultation to figure out your exact situation and then map out the best option, whether that’s a consumer proposal or a bankruptcy. Everything is handled to the letter of professional standards.
Hudson & Company Insolvency Trustees Inc ReviewsHudson & Company helps people walk away from debt conversations feeling better, not worse. Reviewers keep calling them professional, empathetic, and very good at making scary financial situations feel less scary. For consumer proposals, the feedback is great. Clients say the team is clear, patient, and can explain complex options clearly. “Non judgmental” comes up a lot, which is always a good sign when you are talking about money troubles.
There aren't many negative reviews. If people had complaints, they were about other small things like paperwork or billing quirks, but nothing that is a dealbreaker for anyone.
Hudson & Company Insolvency Trustees Inc Location625 11 Ave SW Suite 200, Calgary, AB T2R 0E1
Hudson & Company Insolvency Trustees Inc Phone Number(403) 265-4357
Consumer Proposal Company in Ontario, Canada
Goldhar & Associates is a Canadian company that helps people hit reset on their finances. They work across much of Canada. The head office is in Toronto on Eglinton Avenue West, but everything is done by appointment. Their consumer proposal service is a legal, binding plan that bundles your unsecured debts into one monthly payment. Once it’s in place, interest stops, collection calls stop, and wage garnishments stop. In some cases, you could see up to 80% of your debt wiped out.
The Goldhar & Associates team gets that debt isn’t just about numbers. It messes with your head and your relationships too. That’s why their approach is personal, accessible, and fully licensed under government regulation. They guide you through solutions for personal or corporate insolvency, tax fixes, and business turnarounds, all with the aim of actually rebuilding your financial life instead of just duct-taping it together.
Goldhar & Associates Ltd ReviewsGoldhar & Associates gives off good vibes. Reviewers call them helpful, informative, and, most importantly, non-judgmental. One person even said they felt the staff were “really looking out for your best interest.” For consumer proposals, the reviews lean positively. The company seems good at walking people through their options without the weird upselling energy you sometimes get when money is involved. The ongoing trustee support helps clients feel reassured about their plan.
A few people on Trustpilot mentioned feeling brushed off when they had too many questions, which is not ideal. Some also hinted about disagreeing with the financial advice.
Goldhar & Associates Ltd Location1220 Eglinton Ave W, Toronto, ON M6C 2E3
Consumer Proposal Company in Winnipeg, Manitoba
LC Taylor is Winnipeg’s seasoned pro when it comes to debt help. They have been at it for over thirty years and have helped more than 50,000 Manitobans. They also serve North-Western Ontario, so their reach goes well beyond the downtown skyline.
They run on federally licensed expertise, offering bankruptcy services, credit counselling, and consumer proposals. A consumer proposal allows you to pay back part of your unsecured debts over time, for up to five years, based on what you can actually manage. If the creditors say yes, the deal is binding for everyone.
Once the proposal is in place, interest stops, collection calls stop, wage garnishments stop, and you keep your assets. Everything gets rolled into one monthly payment. During consultations, they even use a proposal calculator to give you a rough idea of how much your debt might shrink. Sometimes, the reduction is by as much as 70% or 80%.
LCTaylor ReviewsLC Taylor has plenty of positive reviews. Clients cannot stop talking about how kind the staff are. The big theme here is empathy without condescension. People say they felt supported from the very first phone call, and some even claim their life turned around after contacting the company. There’s a lot of praise for clear explanations and quick replies to emails.
Consumer proposals get particularly glowing feedback. Clients describe the process as empowering, straightforward, and handled with so much compassion that even the stressful bits felt manageable. More than one person used the phrase “no judgement.” Outside of proposals, the love continues. People rave about the fact that the team genuinely seems to care.
LCTaylor Location386 Broadway Suite 605, Winnipeg, MB R3C 3R6
LCTaylor Phone Number(204) 925-6400
Consumer Proposal Company in Canada
Bromwich & Smith is the Canadian team that has been helping people sort out their finances since 2002. Their offices are spread from Edmonton to Burnaby to Halifax to St. John’s. They are Licensed Insolvency Trustees, which means they are legally allowed to run consumer proposals and bankruptcies, and they do it under all the official government rules.
Their consumer proposal service can cut unsecured debts by up to 80% while letting you keep your possessions. The process starts with a free consultation, moves into the trustees prepping and filing your proposal, and then they handle the creditor negotiations until it’s approved. After that, you swap your messy debt situation for a single monthly payment you can actually afford.
Part of the deal includes two financial counselling sessions and, if you finish all your payments, you get a Certificate of Full Performance.
Bromwich and Smith ReviewsBromwich & Smith has made people in stressful financial situations breathe a little easier. Reviews across the board praise their compassion, knowledge, and knack for treating clients kindly. The tone? Friendly and reassuring enough to make you believe that yes, you can get through this debt situation.
For consumer proposals, the feedback is full of relieved sighs and “thank you” paragraphs. People say the team explains every step in plain language and offers a judgement-free space to figure things out. One reviewer even mentioned their payments got adjusted, but the repayment plan still felt affordable and tailored to them. However, a few critics point to moments of fuzzy communication.
Bromwich and Smith Location100 Consilium Pl Suite 315, Scarborough, ON M1H 3E3
Bromwich and Smith Phone Number1-855-884-9243
Consumer Proposal Company in New Brunswick, Canada
Allan Marshall & Associates has been in the debt-help business since 1979. They work across British Columbia, Alberta, Prince Edward Island, Nova Scotia, and New Brunswick. They are Licensed Insolvency Trustees, meaning they are officially allowed to run government-regulated debt solutions like consumer proposals.
Their consumer proposal service is a legal plan where you and your creditors agree on a reduced debt amount or friendlier repayment terms, usually over up to five years. Once it is filed, interest stops and collection calls stop. Oh, and those wage garnishments? They stop, too. You make one monthly payment, often at just 20–30 cents on the dollar. Fees are legally regulated and built into the plan, so there are no mystery charges later.
Allan Marshall and Associates ReviewsClients rave about Allan Marshall & Associates. They calling the staff empathetic, kind, and very easy to talk to. When it comes to consumer proposals, the reviews continue the positivity. One person managed to clear $51,600 in debt while keeping their home, which is the kind of storyline you want in your financial arc. A few even talk about showing up in tears from stress and leaving in tears of relief.
Allan Marshall and Associates Location77 Westmorland St Suite 130, Fredericton, NB E3B 1A8
Allan Marshall and Associates Phone Number(506) 454-7850
Consumer Proposal Company in Saskatchewan, Canada
Cameron Okolita Inc are Licensed Insolvency Trustees. They have been helping people in southern Saskatchewan sort out their finances since 1995. They work all over Western Canada, with offices in places like Regina, Saskatoon, Moose Jaw, and Estevan, plus Alberta locations in Edmonton, Red Deer, and Calgary.
Their consumer proposal service helps you negotiate with creditors to cut down unsecured debts. If the creditors say yes, you keep your assets while working toward paying off what you can actually afford. The process starts with a financial assessment, then they prep and file the proposal for you, making sure everything is handled properly under the Bankruptcy and Insolvency Act. They also talk you through other possible routes, like debt consolidation or bankruptcy, so you know all your options before deciding.
Cameron Okolita Inc ReviewsCameron Okolita gets described as genuinely professional. People say the staff never make them feel judged, , even when dealing financial stress. Their consumer proposal game is clearly strong. Clients talk about walking in overwhelmed and walking out with a clear, structured plan that actually feels possible.
They’ve also got the credibility factor nailed. The company has doing this for decades, with offices all over Western Canada. This is the kind of résumé that says “We’ve seen it all and we still have the patience to explain it nicely.”
Cameron Okolita Inc Location#650, 2220 12 Ave, Regina, SK S4P 0M8
Cameron Okolita Inc Phone Number(306) 359-7131
Consumer Proposal Company in Canada
4 Pillars has more than 50 locations across the country. They are debt consultants, which means they are not the ones legally filing your bankruptcy or consumer proposal. That is the Licensed Insolvency Trustee’s job. However, they do all the prep work to make sure your proposal is fair and fits your budget.
Their consumer proposal service involves building a repayment plan you can live with, working with an LIT to get it officially filed, and negotiating so your creditors have a reason to say yes. If the plan gets approved, you end up with a reduced, interest-free monthly payment for up to 60 months. That stops interest, wage garnishments, and collection calls, which is basically like turning off all the background noise in your financial life.
4 Pillars also helps you understand all your debt options, connecting you with the right trustee, and even running credit rebuilding programs. They know all the rules, all the loopholes, and exactly how to make them work for you.
4 Pillars Consulting Group Reviews4 Pillars has great reviews online. Clients keep calling them compassionate and knowledgeable. Their consumer proposal results speak for themselves. People talk about paying back a fraction of what they owed. One person only had to cover a quarter of their original debt. Staff also explain everything in a non-judgemental way, so no one leaves feeling like they’ve just been scolded.
Across Canada, there are stories of people recovering from their debt after working with 4 Pillars. Some clients say their plans brought back financial stability and their ability to trust themselves with money again.
4 Pillars Consulting Group Location1873 Spall Rd, Kelowna, BC V1Y 4R2
4 Pillars Consulting Group Phone Number(705) 418-2688
Consumer Proposal Company in Quebec, Canada
Raymond Chabot is Quebec’s heavyweight when it comes to debt help, with nearly 12,000 cases handled every year. They are part of the Raymond Chabot Grant Thornton network, which sounds fancy because it is. They have offices across Quebec and beyond.
They run a consumer proposal service that gives you a legal way to cut down your unsecured debts without losing your stuff. The plan is interest-free and lasts up to five years. It's set up by a Licensed Insolvency Trustee who figures out what you can afford, files all the official paperwork, and keeps creditors from calling you during dinner. They also handle negotiations with your creditors so you don’t have to do the awkward “please stop charging me” conversation yourself.
The process comes with two counselling sessions, and when you finish your payments, you are officially discharged from those debts. They also offer other routes, like personal bankruptcy, debt consolidation, and voluntary deposits, so you can pick the one that fits your situation best.
Raymond Chabot Consumer Proposal ReviewsRaymond Chabot Grant Thornton is big and established. They’re part of an international network, have over 5,400 professionals, and seem to have a branch in just about every corner of Quebec, plus Ottawa and Edmundston. When it comes to consumer proposals, they’ve got the process neatly laid out. Payments are interest-free, often reduced, and stretched over a few years so they actually fit into a normal life budget.
Unsurprisingly, a firm this big, with a long history and a network to match, is good at what it does. The company is like a well-oiled machine, one that’s built to keep your financial life standing.
Raymond Chabot Consumer Proposal Location4805 Boul. Lapinière, Brossard, QC J4Z 0G2
Raymond Chabot Consumer Proposal Phone Number1-855-724-2268
Consumer Proposal Company in New Brunswick, Canada
Powell Associates Ltd. is the small-but-mighty debt help company of the Maritimes. Based in Saint John, NB, with offices in Moncton and Fredericton, they skip the corporate shuffle and let you talk directly to the Licensed Insolvency Trustees themselves.
Their consumer proposal service is a legal alternative to bankruptcy that works for anyone with under $250,000 in unsecured debt (not counting your main mortgage). The plan consolidates what you owe into one monthly payment, often with a big reduction on the total. Once it’s approved by creditors, collection calls stop. You keep your assets. The trustee runs the process, rolls the fees into the payments, and makes sure you get the mandatory financial counselling along the way.
Powell Associates ReviewsClients love working with Powell Associates. The team is patient and respectful enough to make stressful situations feel less like a storm. For their consumer proposals, the feedback stays glowing. People talk about getting manageable, realistic plans that keep them afloat without forcing them to give up essentials. One client even said a big chunk of their debt was erased through the process.
There aren't a ton of negative feedback floating around, apart from a few vague complaints here and there. Without more specifics, it’s hard to judge. Our overall impression of Powell Associates stays positive.
Powell Associates Location133 Prince William St #302, Saint John, NB E2L 2B5
Powell Associates Phone Number(506) 638-9270
Consumer Proposal Company in British Columbia, Canada
Smythe Insolvency Inc. is British Columbia’s homegrown team of Licensed Insolvency Trustees. They have offices in Kamloops and Victoria, plus the option to sort things out by phone or video if travel is not your thing.
They specialize in government-regulated debt relief. Their consumer proposal service can shrink your unsecured debts into something manageable, usually with one interest-free payment over up to five years. The Licensed Insolvency Trustee does all the heavy lifting. They help with filing the paperwork, dealing with your creditors, and making sure the plan is realistic.
They also handle other debt solutions, from personal bankruptcy to debt consolidation and small business help. There is even a consumer proposal calculator so you can get a ballpark idea of what your payments might look like before you commit.
Smythe Insolvency ReviewsClients describe Smythe Insolvency as knowledgeable and professional, with a knack for making debt conversations feel less like a confession and more like the first step toward relief. They focus a lot on removing guilt and shame.
Many reviews are all good vibes. People say the consumer proposal process is explained clearly, handled with compassion, and laid out step-by-step so you never feel lost. Overall, Smythe Insolvency looks like a safe bet if you want someone to guide you through the messy parts of debt relief.
Smythe Insolvency Location221 Esplanade W Suite 301, North Vancouver, BC V7M 3J3
Smythe Insolvency Phone Number1-888-751-2668
Consumer Proposal Company in Canada
Doyle Salewski Inc. has been helping people untangle their finances since 1996, operating out of Ottawa and serving all of Ontario plus Western Quebec. The founders, Brian Doyle and Paul Salewski, have accounting and insolvency credentials. They're proud to be the go-to team for both personal and business debt situations.
Their consumer proposal service is a government-approved way to settle your unsecured debts for less than the full amount, paid over time in a single monthly instalment. Once the proposal is in place, your important assets like your home or car stay yours. Most plans run up to five years and can knock down debt by as much as 80%. Trustee fees are already built into the payments and follow a set government tariff.
Doyle Salewski ReviewsDoyle Salewski’s reputation lands firmly in the “trusted ally” category. Clients rave about the professionalism. They appreciate the repayment plans with zero interest, reduced monthly payments, and the relief of avoiding bankruptcy altogether. There are even examples of high tax debt being wrangled into something manageable.
It’s not entirely without constructive feedback. A small number of reviewers mention feeling let down by after a consultation, and the firm doesn’t seem to publicly address negative reviews. Still, those comments are rare compared to the praise. Plenty of clients leaving the process feeling calmer and more hopeful.
Doyle Salewski Location280 Metcalfe St Suite 203, Ottawa, ON K2P 1R7
Doyle Salewski Phone Number(613) 237-5555
Consumer Proposal Company in Quebec, Canada
Lemieux Nolet Inc. is a long-standing team of Licensed Insolvency Trustees serving communities all over Quebec, from the big hubs like Montreal and Québec City to spots like Joliette and Berthierville. Their consumer proposal service is for anyone with unsecured debts up to $250,000 (not counting your mortgage). It’s a legal plan that stretches your repayment over as much as five years, often at a reduced total, so you only pay part of what you owe.
Once creditors say yes, the deal is binding. Interest stops, collection calls stop, and you keep your assets while paying one manageable monthly amount. Beyond consumer proposals, they also handle personal, self-employed, and commercial insolvency cases, plus Division I proposals and commercial bankruptcies. They even run the federally mandated Insolvency Counselling Program, so you leave with actual tools for rebuilding your finances instead of just a handshake and a “good luck.”
Lemieux Nolet ReviewsLemieux Nolet feels like the local heavyweight of Quebec’s insolvency scene. They have lots of offices, lots of experience, and a big emphasis on getting you in front of a licensed insolvency trustee right from the start.
Their consumer proposal is effective. They cut, reorganize, or manage your debts while keeping your assets intact and steering clear of bankruptcy. The process is transparent and structured, so you can actually wrap your head around the payment plan.
Lemieux Nolet Location6401 Rue Jean-Talon E, Saint-Léonard, QC H1S 3E8
Lemieux Nolet Phone Number(514) 253-7171
Reviews by Best Rated in Canada
Read our reviews to find the best consumer proposal companies in Canada.
