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rgba(0,0,0,1)}body{margin:0;--wp--style--global--content-size:1200px;--wp--style--global--wide-size:1400px}body{--wp--style--block-gap:24px}body{padding-top:0;padding-right:0;padding-bottom:0;padding-left:0} What is a Resonable Offer? | Bankruptcy Canada
You are correct that this is a difficult thing to answer without looking more specifically at your situation. I have seen everything from consumer proposals that pay a 6% recovery to paying all the debts in full. So the range is very broad and is largely based on your ability to pay, how much you are worth in bankruptcy and what the composition of your creditors is. If I were to pick an average number I would say roughly 20 to 25 % more than you are worth to your creditors in a bankruptcy.
As for the typical duration, most of the proposals I do are 3 to 4 years in length. However, this is often dictated by who the creditors are. For example, if a high percentage of your debt is with Royal Bank, then you are more likely to have a consumer proposal that is 60 months in length as this is what they require before they are willing to cooperate.