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.

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.

Insolvency Law Reform

New Changes Under Bill C-5

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.

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.

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

Canadian bankruptcy reports

Perspectives for European Consumer Law

Towards a Directive on Consumer Rights and Beyond

The forthcoming Directive on Consumer Rights is part of a far-reaching European development in the field of consumer law and general contract law. The European Commission has initiated the long expected broad shift to full harmonisation. This puts the national laws and all lawyers applying it under new challenges. In future, the Member States will be prohibited from deviations not only "downwards" but also "upwards". In particular the relation between (EC and national) consumer law and general contract law is under question. The Czech EU Presidency in the first half of 2009 gave the occasion for a conference organised by the Charles University, the Acquis Group and the Czech European Consumer Center at Prague. Leading contract law scholars, policy makers and stakeholders from across Europe put the Proposal under close scrutiny from political, legal and practical angles. This volume contains the results of the conference and thus responds to the question of the extent to which the Proposal offers indeed perspectives for European consumer law. It also contains a position paper elaborated by the Acquis Group in the aftermath of the conference which highlights strengths and weaknesses and suggests improvements of the Proposal.

The Wolf At the Door

What to Do When Collection Agencies Come Calling

A practical guide for dealing with collection agencies and your debts, from Canada's top expert. At some point in life, many of us have trouble paying the bills. If you've ever been hounded by a collection agency, you know how intimidating and stressful the experience can be. But we have much more power than we think. In this eye-opening practical guide, industry insider Mark Silverthorn arms you with the information collection agencies don't want you to know. He shows how to turn the tables against them and regain control of your personal life and your finances, including: • how to stop, avoid, or discourage collection calls • why you might not even have to pay your debt • options to deal with your debts that might save you thousands of dollars • your legal rights and how to handle collection agency misconduct • the truth about credit counselling and debt settlement firms Before you take any action on your debt, you will want to read this book. From the Trade Paperback edition.


Consumer Goods Marketing

Consumer Advocacy

Consumer Trends

Being a Wise Consumer

Chinese consumers

Consumer Electronics

Consumer Protection

Business to Consumer

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.

Hamilton Spectator (The) - Action Line

A consumer problem inquiry line attempting to resolve as many inquiries as possible and warn other consumers of problems they may encounter. Not all calls can be answered, however a consumer can write to the Spectator; all letters must be typed.

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.

Halton. Halton Region Health Department - Food Safety - Oakville - Halton Regional Administration 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 disclosed 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.

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 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.