{"id":7142,"date":"2023-03-03T17:03:33","date_gmt":"2023-03-03T17:03:33","guid":{"rendered":"https:\/\/janewoo.ca\/consumer-proposal\/"},"modified":"2024-05-24T16:33:40","modified_gmt":"2024-05-24T16:33:40","slug":"consumer-proposal","status":"publish","type":"page","link":"https:\/\/janewoo.staging1.farbertech.co\/en\/consumer-proposal\/","title":{"rendered":"Consumer Proposal"},"content":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; parallax=&#8221;content-moving&#8221; parallax_image=&#8221;7484&#8243; css=&#8221;.vc_custom_1716568400560{background-color: #ffd13a !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1716566446969{padding-top: 200px !important;}&#8221;]<\/p>\n<h1 style=\"text-align: center; color: black;\">Consumer proposal<\/h1>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1673304422959{margin-top: 10% !important;margin-bottom: 10% !important;background-color: #017c8b !important;border-radius: 10px !important;}&#8221;][vc_widget_sidebar sidebar_id=&#8221;mpcth_main_menu&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2>Reduce debt with a consumer proposal<\/h2>\n<p>A consumer proposal is one of Canada\u2019s best solutions for dealing with debt. It\u2019s a formal and legally-binding debt settlement agreement between you and the companies you owe money to (your creditors).<\/p>\n<p>To protect you, consumer proposals are regulated by the Office of the Superintendent of Bankruptcy and can only be submitted on your behalf by a Licensed Insolvency Trustee (LIT). That\u2019s where we partner with you to reduce your debt to a fraction of what you owe and stop all further interest and legal action between you and your creditors.<\/p>\n<h2>Why is a consumer proposal a good option for me?<\/h2>\n<p>The benefits of a consumer proposal is that it helps you keep your assets, stops collection calls and allows you to manage your debt by letting you pay less. We handle all the negotiations with your creditors, which can help take the pressure off you. Here\u2019s some of the benefits:<\/p>\n<ul>\n<li>Reduce the overall debt owing for significantly less.<\/li>\n<li>Flexible payment terms based on what you can afford to pay, with zero interest.<\/li>\n<li>Manage all debts in one simple monthly payment.<\/li>\n<li>Up to 5 years to pay or if you want to pay earlier, that\u2019s your choice.<\/li>\n<li>We will be your partner, along your side until your final payment \u2013 and beyond.<\/li>\n<\/ul>\n<h2>How does it work?<\/h2>\n<p>Together, we negotiate your existing debt amount down to a more manageable amount. It will be important to know about \u2026<\/p>\n<ul>\n<li>Your current financial situation<\/li>\n<li>How much you owe and who you owe<\/li>\n<li>Your work status<\/li>\n<li>How much you earn<\/li>\n<\/ul>\n<p>Throughout this journey, our goal is to support and guide you towards managing debt today, and set you up to enjoy a healthier relationship with your money tomorrow.<\/p>\n<h2>What kind of debts can be included in a consumer proposal?<\/h2>\n<p>A consumer proposal significantly reduces most unsecured debts you have, including:<\/p>\n<ul>\n<li>Credit cards<\/li>\n<li>Lines of credit<\/li>\n<li>Personal loans<\/li>\n<li>Payday loans<\/li>\n<li>Tax debt<\/li>\n<li>Student loans (if 7 years have passed since you were last a student)<\/li>\n<li>Medical bills<\/li>\n<\/ul>\n<h2>Who qualifies for a consumer proposal?<\/h2>\n<ul>\n<li>A Canadian resident with unsecured debt (the debt that is not attached to any of your assets) between $6,000 and $250,000.<\/li>\n<li>You need to be able to repay a portion of the debt owed on a monthly basis based on what you can afford to pay, with no interest.<\/li>\n<\/ul>\n<h2>How do I take action?<\/h2>\n<p>The first step is to contact us for a free, no commitment consultation to discuss if a consumer proposal is the right option for you.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column parallax=&#8221;content-moving&#8221; width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_custom_heading text=&#8221;Contact Us&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1716568416315{padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: #017c8b !important;border-radius: 35px !important;}&#8221; link=&#8221;url:https%3A%2F%2Fjanewoo.staging1.farbertech.co%2Fen%2Fcontact-us%2F|title:Contact%20Us||&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; parallax=&#8221;content-moving&#8221; parallax_image=&#8221;7484&#8243; css=&#8221;.vc_custom_1716568400560{background-color: #ffd13a !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1716566446969{padding-top: 200px !important;}&#8221;] Consumer proposal [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1673304422959{margin-top: 10% !important;margin-bottom: 10% !important;background-color: #017c8b !important;border-radius: 10px !important;}&#8221;][vc_widget_sidebar sidebar_id=&#8221;mpcth_main_menu&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] Reduce debt with a consumer proposal A consumer proposal is one of Canada\u2019s best solutions for dealing with debt. It\u2019s a formal and legally-binding debt&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7142","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.2 (Yoast SEO v26.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Consumer Proposal - Jane Woo \u80e1\u96ea\u8c9e<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Proposal\" \/>\n<meta property=\"og:description\" content=\"[vc_row full_width=&#8221;stretch_row&#8221; parallax=&#8221;content-moving&#8221; parallax_image=&#8221;7484&#8243; css=&#8221;.vc_custom_1716568400560{background-color: #ffd13a !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1716566446969{padding-top: 200px !important;}&#8221;] Consumer proposal [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1673304422959{margin-top: 10% !important;margin-bottom: 10% !important;background-color: #017c8b !important;border-radius: 10px !important;}&#8221;][vc_widget_sidebar sidebar_id=&#8221;mpcth_main_menu&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] Reduce debt with a consumer proposal A consumer proposal is one of Canada\u2019s best solutions for dealing with debt. 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