Hello Jervic,

Yes, Revenue Canada is included in proposals. The one hang-up is that if RevCan is your largest creditor, they can easily keep your proposal from being approved because they very rarely vote "yes" to a proposal.

On the other hand, if RevCan is a smaller percentage of your proposal, their say in it will be swamped by other "yes" votes, as it was in my case.

The limit for a consumer proposal is being raised to $250,000 on September 18. It may work well for you if RevCan doesn't scuttle it.

A trustee can give you more information. There's no risk in going in for a chat.

Best wishes,
~Wendy

Hello...1st meeting today with trustee...was alot easier then what I had thought it would be.

Now to get the things done they requested..should take acouple of weeks, then our next meeting to sign the proposal,which was less then what we were willing to propose.

Jerry

Hello Everyone...

 Well we had our 2nd meeting a week ago, the person we were seeing, I thought was the trustee but turned out to be a client represenative,we see the actual trustee this coming Monday morning, at that time we are really hoping to sign the papers to get this thing going. With all the people needing help its taking longer then what we thought it would take. The nerves are really starting pop up,but we'll manage.
Thanks to everyone for their great advise and support..

jervic

Today was the big day, talk about being nervous...but let me tell you, to anyone reading this post.Once we sat down with our trustee,it was very calming.It went so smooth and no hassle's.Our trustee was VERY nice and didn't make us feel guilty or anything.We went over the papers and signed about 20 of them,,told us it was a very good proposal and most likely we wouldn't have to come back, even though creditors have 45 days.The creditors we do have ,our trustee told us they all prefer proposal's to bankruptcy.So no news is good news according to her, and our first payment will be on the 1st of this month.My choice, instead of the 19th.So as long we get the majority to say yes we can start to breathe easier..Also, I called every creditor and 2 said we were great customers,and great people. and wished us luck, which shocked me.So we wait for the 45 days,hope all goes well and then start living again.
jervic

Just wanted to let anyone considering a proposal, when we got home from the signing of the proposal, I called everyone who I owed money too,and since that day,not one of them has called me,like they use to, at all times of the day or night..right up to 11pm and starting again on Sundays.I use to put the phone on do not disturb just to get some peace.I still feel guilty over not following up on my end of the agreement, but we ddin't expect to get hit so hard when the economy went into the tank. One last thing,2 days after signing the proposal, my pension garinsheement was lifted, from Rev Can.So if you really need to do this,and there is not much light at the end of your tunnel..don't be ashamed,life is tooooooooo short to be constantly worried  on how are we going to buy grociers this week..or clothes for the kids.From the day we started this until we signed all the papers,took one month and one day...good luck..

Hi jervic!

Sounds very much like my own experience. Only one creditor called after my proposal was filed - someone in a boilerroom who didn't seem to know what a proposal was. In any case, it stopped very quickly - within two weeks. Some staemeents kept coming in the mail for a couple of months - then nothing, except one from Citibank that kept appearing and accumulating interest. I mentioned it to my trustee and he said not to worry - and then perhaps he contacted them because I never received another one. Likewise with RevCan - haven't heard a peep.

Glad things are going well!   
~Wendy