Consumer Proposal

A consumer proposal allows you to Reduce And Consolidate your debt without paying any interest.

When to Apply for Consumer Proposal

Consumer proposals are best suited for individuals that have a stable income but are unable to significantly reduce their debt due to high interest charges, actions taken by their creditors or the amount of debt owing is simply too high.

Warning signs that that it may be time for you to consider filing a consumer proposal include the following:

  1. Your monthly expenses exceed your monthly income;
  2. You use credit to cover monthly expenses;
  3. You are unable to make your monthly minimum payments;
  4. You are unable to reduce your debt, or worse, it’s going up;
  5. You are near or over your credit limit on your credit cards;
  6. Your accounts are in collection;
  7. You have no money left for any savings.

A consumer proposal will allow you to Reduce And Consolidate your debt. You pay only a fraction of what you owe and eliminate up to 70% of your debt load. The remaining balance, say 30%, is paid by way of one monthly payment that fits your budget. You don’t pay any interest or any additional amounts.

To find out if Consumer proposal is the right solution for you, contact us for a free confidential consultation at one of our offices in Ottawa West, Ottawa South-West, Ottawa East, Cornwall, Sudbury, New Liskeard, North Bay, Elliot Lake or elsewhere in Ontario.

or click on Why Choose Fontaine to file Your Consumer Proposal.

Your way to financial relief starts here!

We’re here to answer your questions and get you back on track. Schedule your free consultation now in one of our locations in Ontario!


Covid-19 / Update :

Our offices are now completely open again for regular business hours. We will however, continue to conduct as many meetings as possible virtually and we will continue to have many of our employees work from home to keep traffic in our offices to a minimum.

As we do our part to minimize the spread of the virus, visiting our office will now be by appointment only until further notice. This new visitation policy will help us balance the need for social distancing while still being able to provide timely services in an effective manner based on individual circumstances.

Read the full note with our measures