Consumer Proposal

Managing day to day finances properly takes time, thought, and planning. Many Canadians carry a certain amount of debt as part of their overall financial picture. However, at times, those debts can begin to feel overwhelming. A consumer proposal can help. Through a Licensed Insolvency Trustee (LIT), you can put together a proposal document that offers to pay back creditors in a certain way, under certain terms. For instance, it may extend the time you have to pay your debts or negotiate a percentage of what is owed to be paid back. Needing help with your debts can be confusing, difficult, and embarrassing. Are you unsure of your current financial situation and debt-load? Do you have questions or concerns about how a consumer proposal works or will affect you long-term? A Licensed Insolvency Trustee will be able to explain the process and implications of creating a consumer proposal. Assistance with your debts is available, and we are here to help you find it.

You are not alone. Connect with others who may be going through the same thing, find professional help and resources near you. The Kinjunxion community is here to help.

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Canada. Health Canada - Consumer Product Safety Office

Investigates complaints related to the Canada Consumer Product Safety Act (CCPSA) and enforces safety regulations. Also responsible for cosmetics under the Food and Drugs Act.

Canada.Innovation, Science and Economic Development Canada - Competition Bureau - Hamilton Regional Office

An independent law enforcement agency that ensures Canadian businesses and consumers prosper in a competitive and innovative marketplace.
Responsible for the administration and enforcement of the following acts: Competition Act, Consumer Packaging and Labelling Act, Textile Labelling Act, and, Precious Metals Marking Act.

Canada. Canadian Food Inspection Agency - Canadian Food Inspection Agency - Hamilton District Office - Central Region

Investigates health hazards and foreign matter in food: fresh, frozen and pre-packaged. * Also investigates complaints about weights and labelling, and the import/export of animals or plants, as well as any retail issues.

Canada.Innovation, Science and Economic Development Canada - Measurement Canada - South Western Ontario District Office

Ensures the integrity and accuracy of measurement in the Canadian marketplace. Develops and administers the laws and requirements governing measurement, evaluates, approves and certifies measuring devices, and investigates complaints of suspected inaccurate measurement.

Halton. Halton Region Health Department - Food Safety - Oakville - Halton Regional Centre

Food poisoning cases, complaints and food recalls are investigated by Public Health Inspectors and food premises such as restaurants, day care centres and institutions are inspected regularly.
* conducts surveillance and inspections of food premises that sell or serve prepared food to the public to ensure regulatory standards are being met
* responds to reports of food-borne illnesses or outbreaks, unsafe food handling practices, food recalls, adulteration and consumer complaints
* liaises with special event coordinators and food vendors to ensure adherence to safe food handling practices
* provides information, support, and food handler training and certification for businesses and the public on how to handle food safely
* maintains Dinewise, a mandatory food safety program that discloses food safety inspection results at food premises and online

Ontario. Ministry of the Environment Conservation and Parks - Ministry of the Environment Conservation and Parks - West Central Region

Responsible for delivering programs to protect air quality, surface and ground water quality and quantity; managing disposal of wastes; ensuring adequate quality of drinking water and controlling use of pesticides. Administers ministry's approvals, environmental assessments, licensing programs as well as an investigative and enforcement program to ensure compliance with environmental laws.

Ontario. Ministry of the Attorney General, Court Services - Office of the Public Guardian and Trustee - Office of the Public Guardian and Trustee - Hamilton Branch

A government agency that protects mentally incapable people, protects the public's interest in charities, searches for heirs for estates which the OPGT administers, invests perpetual care funds, and deals with dissolved corporations.

Ontario. Ministry of the Attorney General, Court Services - Office of the Public Guardian and Trustee - Office of the Public Guardian and Trustee - Hamilton Branch

A government agency that protects mentally incapable people, protects the public's interest in charities, searches for heirs for estates which the OPGT administers, invests perpetual care funds, and deals with dissolved corporations.

Ontario. Ministry of the Attorney General, Court Services - Office of the Public Guardian and Trustee - Office of the Public Guardian and Trustee - Hamilton Branch

A government agency that protects mentally incapable people, protects the public's interest in charities, searches for heirs for estates which the OPGT administers, invests perpetual care funds, and deals with dissolved corporations.

Hoyes, Michalos & Associates - Consumer Proposals, Bankruptcy, Debt Relief - Brantford - Brant Ave

Offers a full range of debt relief options including consumer proposals, bankruptcy, and debt relief

Services offered:
* managing debt
* stop a wage garnishment
* stop collection calls
* eliminate credit card debt
* dealing with tax debt
* student loan debt relief

Travel Industry Council of Ontario

Association that answers consumers' inquiries and attempts to mediate complaints arising from the purchase of travel services from registered travel agencies. * Claims against the Ontario Travel Compensation Fund for the non-provision of travel services due to the bankruptcy or insolvency of an Ontario registered travel agency or travel wholesaler, or the cessation of an airline or cruise line.

Canada. Canadian Food Inspection Agency - Ontario Area Office

Inspection services, quarantine programs related to food, animal health, plant protection
* enforces food safety, nutritional quality standards established by Health Canada
* responds to food borne illness outbreaks through food safety investigations and recalls
* guards against entry of foreign animal diseases to protect human and animal health
* prevention and control of the spread of certain foreign animal diseases
* sets standards and verifies industry compliance with federal acts and regulations

Complaints related to health concerns in restaurants and cafeterias should be referred to the appropriate public health unit.

Canadian food safety system is an area of shared jurisdiction between provincial, territorial and federal governments and is composed of medical, public health, and food inspection systems.

Rabies is a reportable disease under the Health of Animals Act. All suspected cases must be reported to the Canadian Food Inspection Agency (CFIA) for immediate investigation by inspectors.