www.afarber.com/consumer-proposal Help lots of debts and Avoid all bank rupt cy

A consumer proposal is a formal contract in between you and your creditors in which you make an offer to settle your financial obligations for a quantity which is less than the overall quantity owing. This can result in as much as a 70 % reduction in the amount you owe. More significantly if permits you to keep your possessions, your vehicle and your home.