If someone file consumer proposal, does this affect your taxes or pay cheque

Technically speaking no.

There is no vesting of assets that is required so any tax refunds, RRSP’s, savings bonds or money in a bank account is yours.

However, these things must be disclosed to the creditors and valued when coming up with the offer you are going to make in the consumer proposal.

So while you don’t loose them directly, they do have an impact on things.