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textarea{font-size:15px;margin-bottom:0;margin-top:0;padding:8px}body{--wp--preset--color--black:var(--black,#000);--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:var(--white,#fff);--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--color--brand-1:var(--brand-color-1,#137eb4);--wp--preset--color--brand-2:var(--brand-color-2,#fd8f12);--wp--preset--color--brand-3:var(--brand-color-3,#ecf6fe);--wp--preset--color--brand-4:var(--brand-color-4,#0e5e86);--wp--preset--color--brand-5:var(--brand-color-5,#b3b3b3);--wp--preset--color--brand-6:var(--brand-color-6,#b3b3b3);--wp--preset--color--body-text:var(--body-text,#1f1f1f);--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 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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} Is Consumer Proposal an option? What has to be surrendered?
A consumer proposal is a great choice for those individuals that have the ability to pay something on a monthly basis towards their debts, but just cannot afford to make the full monthly payments on the debts they have accumulated. Consumer proposals are meant for unsecured creditors. In other words, if you want to keep the house, car, truck, quad and RV then those loan payments would have to be kept up to date. If you find that you cannot afford those payments then you can choose to surrender any of those assets to the creditor and any amount still owing after the creditor disposes the asset will form part of your consumer proposal. Debts included in a consumer proposal would be your credit card debt, line of credit and the shortfall on any of the assets you surrendered.
Without looking at your income and expenses, I can’t advise you on whether keeping your assets and related loan payments is a good idea for your household. While a consumer proposal may not require that you walk away from your assets, before filing a consumer proposal, it is recommended that you meet with an advisor to review your entire budget. If you decide it best to walk away from some of your assets to free up some needed cash flow , this needs to be done at the time of filing your proposal.
I would recommend that you come in for a free consultation to go over your situation in more detail to determine what a consumer proposal would look like for your household.