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Could a consumer proposal lower your debt payments? proposal

A consumer proposal may reduce what you repay and combine eligible unsecured debt into one affordable monthly payment. Take the 60-second assessment, then speak privately with a Licensed Insolvency Trustee about whether it fits your situation.

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Free consultation. Private advice. No obligation.

If your debt payments are no longer manageable, a consumer proposal may be one option to consider. It is a formal agreement with your creditors that may allow you to repay part of your unsecured debt through agreed payments. A Licensed Insolvency Trustee will review your income, debts and assets and explain whether it may fit your situation.

“For the first time ever, someone took the time to just talk to me about my situation and give me the information to make my own decision.” — Samantha F., client review

Understand Your Options

Learn how consumer proposals, bankruptcy and other debt solutions may apply to your situation.

Licensed, Regulated Help

Licensed Insolvency Trustees are federally regulated and are the only professionals authorized to administer consumer proposals and bankruptcies in Canada.

Virtual and In-Person Options

Meet by phone or video from anywhere in the provinces we serve. In-person appointments are also available at select Goldhar offices.

Could a Consumer Proposal Help?

You regularly miss essential payments on mortgage, rent, car loan or lease, utilities like hydro, gas, water
Your credit cards have been maxed out for 3 months or more and you are not able to make the minimum payments
Your arrears payments are assigned to collection action
Collection action escalates to legal proceedings
You are turned down for refinancing or secured loans
Your bank account or wages are garnished
Your loved ones feel the impact of your financial stress

Is the consultation free?

Yes. The consultation is free and there is no obligation. If you decide to proceed, the trustee will explain the costs before anything is filed.

Will a consumer proposal affect my credit?

Yes. A consumer proposal affects your credit record and is reported to the credit bureaus. The details depend on your situation. Your trustee can explain what to expect.

Will I lose my home or car?

Not automatically. The effect depends on your equity, financing, province and other details. A trustee will review your situation with you.

Kind words from people we have helped

William A.

Words can't describe how my council session with Kim has been so helpful. She has been very professional and the company is very helpful to the extreme. They have changed my life. Thank you!

Tymika C.

I had a great experience with Goldhar. They are great to have and I have learned so much from them. They are very informative and helpful. I would recommend them to anyone struggling with debt and budgeting.

Samantha F.

For the first time ever, someone took the time to just talk to me about my situation and give me the information to make my own decision. I felt before that everyone I talked to "told" me what to do.

Being debt free starts today

We have professionals to meet with you in

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Complete the short assessment for a confidential review of your situation. A Licensed Insolvency Trustee will explain which options may fit. There is no obligation to proceed.

Start My Free Assessment
Prefer to talk now? Call toll-free at 1-833-692-3328.

Get help with existing debt from a Licensed Insolvency Trustee. We do not provide loans.

Owe $10,000 or more? We can help you explore your debt relief options.