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.

Resources in ,


Bennett on Bankruptcy.

Bennett on Bankruptcy Precedents

Bennett's A-Z Guide to Bankruptcy

A Professional's Handbook

Comparative Consumer Insolvency Regimes

A Canadian Perspective

All modern legal systems within advanced economies must address the question of how to respond to the needs of insolvent consumers whose burden of debt greatly exceeds their capacity to repay within a reasonable time frame. This study surveys comparatively the insolvency regimes currently in place or likely to be adopted in the foreseeable future in Canada, the United States, Australia, England and Wales, Scotland, Scandinavia and a representative group of Western countries on the continent of Europe. Modern legal systems have two basic alternatives in providing relief for over-committed consumers. The first, which involves restricting the enforcement of individual creditor remedies is a method with which this study is not concerned. Where the consumer is seriously insolvent and owes money to many creditors, a different approach is required - a collective solution to debtor's problems - and this, the solution provided by modern insolvency systems, is the focus of this study.

Bennett on Bankruptcy, 9th edition

Crushing Debt

Why Canadians Should Drop Everything and Pay Off Debt

As the majority of Canadians are now spending much more than theymake, their debt levels are reaching crisis proportions. Excludingmortgage debt, the average Canadian owes over $25,000 in consumerdebt, which poses massive risks not only for the individualscarrying that financial load, but for our entire financial system.In Crushing Debt, bestselling author David Trahair(Enough Bull) warns Canadians that consumer debt is becomingan urgent problem but one that can be solved. Trahair clearly outlines the evils of debt and how easy it isfor debt to spiral out of control with examples of real-lifestories of debt disasters. If you are a Canadian who is alreadystruggling with debt, Crushing Debt will motivate you toface your financial problems and will show you step-by-step themost appropriate solution to getting out of your personal debthell. Filled with proven advice, Crushing Debt is a call toaction on an urgent and debilitating problem for far too manyCanadians.

Canadian bankruptcy reports

Put Your Debt on a Diet

A Step-by-Step Guide to Financial Fitness

You could be just two paycheques away from bankruptcy! More people are up to their eyeballs in debt than ever before. Canadian families currently owe over $450 billion. That’s almost $15,000 in debt for every man, woman, and child in the country. It's mortgages, vehicles, credit cards, student loans, and more ... and it's dangerous. The number of consumer bankruptcies has been rising dramatically every year, and Canadians from all walks of life are in dire financial straits — from the working poor to the highest-income professionals. No one is immune from crushing debt, and it will just get worse if we don't take control now. Effectively managing your debt is one of the first—and most important — steps toward your financial health. Put Your Debt on a Diet takes the mystery and fear out of the process of overcoming even the most severe financial problems. Shows you how to effectively reduce and eliminate debt using realistic and down-to-earth techniques. Provides a clear process and achievable milestones that you and your family can use to improve money management skills and resolve debt problems. Includes comprehensive coverage on: assessing your debts, building better money habits, setting financial goals, budgeting strategies, credit counselling, debt reduction strategies, using credit cards wisely, how to shop for credit, and much more. Features practical examples, tips, frequently-asked-questions, worksheets, and checklists to help you reduce your debt load. Whether you're in financial crisis, or just living too close to the edge, Put Your Debt on a Diet is the ultimate reducing plan to help you trim your debt load and put you on the road to good financial health.

Consumer education in the Nordic countries : proposal of objectives for and content of consumer education in the compulsory school and at upper secondary school level in the Nordic countries

Troubled Debt Restructuring

An Alternative to Bankruptcy?

Modernising and Harmonising Consumer Contract Law

In October 2008, the European Commission published the Proposal for a Consumer Rights Directive - a proposal that suggests far-reaching changes to the core of consumer contract law. Four current directives are replaced by a new overarching piece of legislation. In doing so, full harmonization should, for the most part, take the place of the minimum standard presently in force in the EU. Although a welcomed initiative, the extent and possible effects of the Proposal have certainly brought a number of issues to the fore. In January 2009, legal experts - from universities, legal practices, and the civil service - met at Manchester University to address the issues raised by the Proposal and to address the question of the extent to which the Proposal can indeed contribute to the modernization and harmonization of European consumer contract law. This book contains the proceedings of the conference, and includes papers that analyze, criticize, and suggest improvements for the Proposal.

Composite Paper 1999

Reports on Progress Towards Accession by Each of the Candidate Countries : Document Drawn Up on the Basis of COM (1999) 500


Consumer Goods Marketing

Consumer Advocacy

Consumer Trends

Being a Wise Consumer

Chinese consumers

Consumer Electronics

Consumer Protection

Proposal Management

green consumer

Canada. Innovation, Science and Economic Development - 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.

Canada. Innovation, Science and Economic Development - 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. 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. 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.

Hamilton. Hamilton Police Service - Major Fraud Branch - 400 Rymal Rd

Handles criminal matters related to fraud, forgery, counterfeit money, credit and debit card fraud, corporate fraud, mortgage fraud, fraudulent telemarketing and suspicious business practices, including theft by Power of Attorney matters.

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.

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.

Canada. Canadian Food Inspection Agency - Canada. Canadian Food Inspection Agency, Guelph - Guelph

Delivers inspection programs related to foods, plants and animals across Canada. * Enforces the food safety and nutritional quality standards established by Health Canada and, for animal health and plant protection, to set standards and carry out enforcement and inspection.

Activities range from the inspection of federally-registered meat processing facilities to border inspections for foreign pests and diseases * to the enforcement of practices related to fraudulent labelling * verify the humane transportation of animals, conduct food investigations * recalls * perform laboratory testing and environmental assessments of seeds * plants * feeds and fertilizers * regulates the import, export, domestic movement of horticulture, forestry and plant products