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This is a very difficult question to ask without being more familiar with your financial circumstances. The reason for this is that a consumer proposal can be for a wide variety of situations. It may be to simply reduce the principle of the debt to a reasonable amount, or the primary purpose may not be a reduction of the principle but simply adjusting the payment schedule to something other than the creditors provide under the original contracts. In other cases it is the interest that is the issue and the only reason behind the proposal is to stop that interest from accruing. So as you can see different proposals are done for different reasons, so this consumer proposal may make sense but it depends on the context that it is being offered.