Why would one file a Consumer Proposal? The consumer proposal addresses unsecured debt and can include many aspects. A consumer proposal is one way to increase your debt strength. It is a formal procedure and is a public record under the Bankruptcy and Insolvency Act. You and your creditors must each pay a portion of the debt. Your income and assets will determine how much you can repay, but this usually reduces the amount you owe to creditors. Call us today to book your 1 hour free, confidential consultation. https://www.credit720.ca