Consumer Proposals: Answers to Questions

Most Recent ‘Consumer Proposals’ Posts

Student Loans

Can a student loan that`s only 4 or 5 years old be worked into a consumer proposal? Posted from: British Columbia

RESP and consumer proposals

Can my creditors take my children`s RESPs if I make a consumer proposal? I owe money to the bank that I have the RESPs.Thanks for your informative website. Posted from: Nova Scotia

Would selling a house and offering 1 lump sum to the creditors be a good consumer proposal?

My Parents own 2 houses, (1 is for rental income) each with approx. 100k in equity. They also have 190k in unsecured debts. Would selling 1 house and offering 1 lump sum (of approx. 100k) to the creditors be a good consumer proposal plan that would most likely be accepted? Posted from: Ontario

consumer proposal time frame

I`m considering filing a consumer proposal with a local trustee..How long will it be between my assessment and the actual filing of my proposal..I know the creditors have 45 days to respond and 15 days after the proposal has been filed?? Posted from: Ontario

Creditor continuously reports late payment

Consumer proposal has been fully paid, but Caisse Populaire continues to report late payment,ie,90 and 120 days which is affecting my beacon score and my ability to obtain a mortgage. They accepted their payment but continually report it late to Equifax and TransUnion. What recourse do I have! THANKS Posted from: Quebec

Consumer Proposal/Proceeds from sale of house

My husband and I are planning on filing a joint consumer proposal. Our house is also presently on sale. Our proposal would be to pay 50% of our debts or close to 50,000$. If we manage to sell our house, could the proceeds of the sale be used to pay off the proposal early? Posted […]

I am joint on an account with my mother but this is not my money

i am looking at a consumer proposal. when mentioning my assets/bank accounts, i am joint on an account with my mother. but this is not my money, it is her`s. bascially i am on the account in case she needs banking done. thanks Posted from: Ontario

consumer proposal and loan on my house

I have a 25000 equity loan on my house. Can I add this to my consumer proposal as it is causing me stress and I don`t want to lose my house Posted from: Ontario

Can I pay off my consumer proposal early

My wife and I filed a proposal in 2006 for payments over 50 months. We have now paid for 27 months and now have enough equity in our home to refinance and pay off the proposal. However when I asked my trustee`s assistant about this she said it would open up the whole proposal and […]

Filing Taxes after filing a consumer proposal

I filed a consumer proposal in January and I have just finished doing my 2008 taxes, would my refund go to the trustee or would I get that? Posted from: Ontario

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