Anjali’s Path to Peace of Mind: How One Family Found Relief Through a Consumer Proposal

Debt can overwhelm anyone, but for parents balancing work, family responsibilities, and rising living costs, it can feel especially suffocating. That was the reality for Anjali, a hardworking woman in her 40s, caring for her spouse and children while trying to stay afloat financially.

Despite working full‑time, she was buried under more than $100,000 of debt, including credit cards and CRA balances. Her monthly payments had climbed above $800, and no matter how hard she tried, she couldn’t keep up.

The stress became constant. Bills piled up, she fell behind, and the pressure of supporting her family while juggling overwhelming debt left her emotionally drained.

The Weight of Debt and Daily Stress

Like many Canadians, Anjali didn’t know where to turn. She had already tried a consolidation loan, hoping it would give her breathing room, but it barely made a dent. Collection calls became routine. The fear of losing control and the shame of not being able to fix things on her own, made her withdraw from the people she loved.

Debt wasn’t just affecting her finances. It was affecting her home life, her confidence, and her ability to be present with her family.

When she finally reached out to Farber, she was overwhelmed, exhausted, and unsure what to expect. But that call marked the beginning of her transformation.

How Myla Helped Anjali Find Relief

When Anjali connected with Myla Solis, Debt Solutions Manager, it was the first time she felt truly heard. Myla didn’t rush her or focus only on numbers; she listened to the emotional toll the debt had taken.

Together, they walked through every detail: her income, her expenses, her family responsibilities, and the stress she’d been carrying alone. Myla explained each option clearly, including how a consumer proposal could reduce her debt, stop interest, and give her one affordable monthly payment. After reviewing all the choices, Anjali decided that a consumer proposal was the right path for her – a decision she made confidently, knowing it would let her regain control while still supporting her family.

For the first time in years, Anjali felt hope.

A Manageable Payment and a Fresh Start

Once her consumer proposal was filed, everything changed.

Her monthly payments dropped from over $800 to around $300; a number that finally fit her budget. The collection calls stopped. The fear of falling further behind disappeared. And with interest frozen, she could finally see a path forward.

The financial relief was immediate, but the emotional relief was even greater.

Life After Debt: Stability, Confidence, and a Brighter Future

With her proposal in place, Anjali’s life began to stabilize. She could pay her bills on time, budget with confidence, and focus on her family without the constant weight of debt hanging over her.

She described feeling peace of mind for the first time in years, knowing she was on track, knowing the debt would end, and knowing she wasn’t alone anymore.

Her home life improved significantly. The stress that once filled her days eased, and she could finally look ahead instead of constantly looking over her shoulder.

In fact, after completing her proposal, Anjali achieved something she once thought was impossible:

In fact, after completing her proposal, Anjali achieved something she once thought was impossible: she qualified for a mortgage and purchased her first home.

A Moment That Stood Out

For Myla, the moment that stayed with her was when Anjali expressed her gratitude, the shift in her voice when she realized she had a real solution.

She told Myla:

“Thank you so much. Now I can feel relief and sleep at night. I know I can get out of debt after paying this proposal.”

For Myla, this wasn’t just a financial win. It was a reminder of why she does this work, to help people rebuild their lives, not just their budgets.

You’re Not Alone — Farber Is Here to Help

Anjali’s journey shows that even when debt feels overwhelming, there is a way forward.

With Farber’s help, she found stability through a consumer proposal, regained control of her finances, and rebuilt her life with confidence.

If you’re struggling with credit card debt, CRA balances, or the emotional weight of financial stress, you don’t have to face it alone.

Farber’s Licensed Insolvency Trustees are here to guide you with compassion, clarity, and expertise.

At Farber, our team take the time to truly listen; just like Myla did for Anjali.

Myla Solis is a compassionate and dedicated Debt Solutions Manager who brings nearly 14 years of insolvency experience to every client she supports. Her career began in credit counselling, where she developed a deep understanding of the emotional and financial pressures people face when debt becomes overwhelming. That foundation shaped her approach today: calm, patient, and focused on helping clients feel understood rather than judged.

For Myla, the most meaningful part of her work is witnessing the moment when someone realizes they’re not alone, and that a fresh start is truly possible.

If you’re ready to explore your options and find a solution that fits your life, book a consultation.

Real Stories from People Who’ve Been There

Many Canadians have found a way forward through a consumer proposal.

Andre’s story: When Andre’s wife unexpectedly lost her job, he suddenly became the sole provider for their family. What started as a temporary situation quickly became overwhelming. Bills piled up, credit card balances grew, and their financial stability began to unravel. Feeling the weight of constant stress and growing debt, Andre reached out for help. Through a consumer proposal, he was able to reduce his monthly payments and stop the collection calls. It gave his family room to breathe—and a chance to rebuild their lives without fear.

Lisa’s story: Lisa, a full-time caregiver in Ontario, spent her days supporting others—but behind the scenes, she was barely staying afloat. Juggling household bills, caregiving duties, and over $75,000 in debt left her exhausted and anxious about the future. She knew something had to change. A consumer proposal helped her lower her debt to a manageable level and freeze the interest. For the first time in years, Lisa could focus on her family and her own well-being—without debt dictating every decision.

Delores’s story: Delores, a working mom in Ontario, was facing over $230,000 in debt, legal action, and the emotional toll of doing it all alone. After a business was registered in her name without consent, she found herself responsible for massive liabilities and constant creditor calls. With two kids to support and no clear way out, Delores felt trapped. A consumer proposal helped her stop the lawsuits, avoid wage garnishment, and regain control with a manageable monthly payment. For the first time in months, she could breathe again—and start building a future with hope.

Omar’s story: In his twenties, Omar was buried under $35,000 in credit card debt, with monthly payments nearing $700. The stress became unbearable, forcing him onto sick leave and isolating him from friends and family. He felt stuck—until his mother reached out to Farber. With the help of Carol, a compassionate Debt Solutions Manager, Omar filed a consumer proposal that lowered his payments to $225 and stopped the collection calls. For the first time in months, he could breathe.

Susan’s story: In her early fifties, Susan was drowning under $60,000 in high‑interest debt, with minimum payments close to $1,800 each month. The strain weighed on her marriage, her health, and her peace of mind. Collection calls became constant, and she felt trapped with no way forward. That changed when she connected with Erika Watson at Farber. With Erika’s guidance, Susan filed a consumer proposal that reduced her payments to $650 and stopped the relentless calls. For the first time in years, she could breathe, focus on her family, and rebuild her life with confidence.

Richard’s story: After a serious injury forced Richard out of the Canadian Armed Forces, he was adjusting to life on long‑term disability when a surprise $30,000 CRA tax bill turned his recovery upside down. With the CRA threatening to take money directly from his pension, he felt cornered and overwhelmed. Working with Farber, Richard filed a consumer proposal that immediately protected his income and reduced the CRA’s demand from $1,400 a month to an affordable $1,075. For the first time in months, he could breathe again — and begin rebuilding his life with stability, dignity, and a clear path forward.

Manuel’s story: In his early 70s, Manuel was juggling two part‑time jobs and more than $58,000 in debt just to keep his home. Over $1,500 a month went toward minimum payments, and even small expenses pushed him further behind. The stress was constant, and he felt exhausted and alone. Everything changed when he connected with Gurjot Khurana at Farber. With Gurjot’s guidance, Manuel filed a consumer proposal that reduced his payments to $970 a month and protected his home.