http://www.afarber.com/consumer-proposal Help with my husband's money and Avoid a banrk rupcy

A consumer proposal is a formal contract between you and your lenders in which you make an offer to settle your financial obligations for an amount which is less than the overall amount owing. This can result in as much as a 70 % decrease in the quantity you owe. If enables you to keep your properties, your vehicle and your house.