[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"getSingleBlog-/blog/self-employed-consumer-proposals-canada-en":3,"getGlobalData-en":48},{"article":4,"ctas":29},{"id":5,"title":6,"date":7,"modified":8,"content":9,"seo":10,"featuredImage":15,"categories":22,"languageCode":27,"translations":28},"cG9zdDo0MjQz","Self-Employed or Freelancing? What to Know About Consumer Proposals","2025-07-29T07:41:04","2025-12-30T09:19:30","\u003Cp>If you’re self-employed or freelancing, you’ve probably had those months: when the invoices are late, the tax bill hits hard, and the \u003Ca href=\"/blog/how-to-pay-off-credit-card-debt\">credit card keeps picking up the slack\u003C/a>. You’re juggling clients, chasing payments, and trying to stay afloat.\u003C/p>\n\u003Cp>Sound familiar? You’re not alone.\u003C/p>\n\u003Cp>Many self-employed Canadians find themselves juggling debt with no idea how to get out from under it. The good news? Consumer proposals for self-employed individuals offer a way forward.\u003C/p>\n\u003Ch2>What Is a Consumer Proposal?\u003C/h2>\n\u003Cp>If debt’s been piling up and you’re unsure what your options are, a \u003Ca href=\"/blog/pros-and-cons-of-filing-a-consumer-proposal\">consumer proposal\u003C/a> might be the solution that finally gives you room to breathe.\u003C/p>\n\u003Ch3>Basic Overview and How It Works\u003C/h3>\n\u003Cp>A consumer proposal is a formal agreement that lets you hit reset on your debt — without having to pay back the full amount. Instead, you commit to paying a portion of what you owe, in a way that actually fits your budget.\u003C/p>\n\u003Cp>To get started, you’ll \u003Ca href=\"/blog/what-is-a-licensed-insolvency-trustee\">work with a Licensed Insolvency Trustee (LIT)\u003C/a>: a federally regulated professional who’s trained and approved by the Canadian government. Your LIT will take a close look at your finances and help you put together a repayment plan that makes sense for your situation.\u003C/p>\n\u003Cp>Most consumer proposals involve monthly payments stretched out over a period of up to five years. Some people finish earlier, in three or four. Either way, the goal is to keep things predictable and affordable.\u003C/p>\n\u003Ch3>Differences from Bankruptcy\u003C/h3>\n\u003Cp>Unlike \u003Ca href=\"/blog/what-happens-when-you-file-bankruptcy\">bankruptcy\u003C/a>, you keep your assets (like your car or business equipment), and you don’t face the same level of \u003Ca href=\"/blog/how-long-does-a-consumer-proposal-stay-on-a-credit-report\">credit score impact.\u003C/a> For entrepreneurs and freelancers, that can mean continuing to operate your business while working toward being debt free.\u003C/p>\n\u003Ch2>Are Self-Employed Canadians Eligible?\u003C/h2>\n\u003Cp>Yes! Whether you’re a freelance graphic designer, a real estate agent, or a sole proprietor running your own consulting business, consumer proposals for self-employed Canadians are absolutely an option.\u003C/p>\n\u003Ch3>How Income and Assets Are Considered\u003C/h3>\n\u003Cp>Here’s the thing: self-employment income can be unpredictable.\u003C/p>\n\u003Cp>One month you’re raking it in and the next, it’s radio silence. A Licensed Insolvency Trustee understands that and will look at your income on an average basis — not just your best or worst month.\u003C/p>\n\u003Cp>They’ll also review your business assets (like tools or a laptop) and figure out how they play into the picture. Most of the time, you won’t need to sell anything to start the settlement process.\u003C/p>\n\u003Ch3>CRA and Tax Debt Inclusion\u003C/h3>\n\u003Cp>Here’s one of the most common questions: Can CRA debt be included in a consumer proposal?\u003C/p>\n\u003Cp>Absolutely. That’s one of the most powerful benefits of this solution. Whether you owe income tax, GST/HST, or payroll deductions, \u003Ca href=\"/blog/cra-debt-consumer-proposal\">CRA consumer proposal settlements\u003C/a> are possible. Once your proposal is filed, the CRA must stop collection actions — including \u003Ca href=\"/blog/how-to-stop-a-wage-garnishments\">wage garnishments\u003C/a> and bank freezes.\u003C/p>\n\u003Ch2>Key Benefits for Freelancers and Entrepreneurs\u003C/h2>\n\u003Cp>With a consumer proposal for self-employed Canadians, there’s more protection here than you might think.\u003C/p>\n\u003Ch3>Legal Protection from Creditors\u003C/h3>\n\u003Cp>As soon as your consumer proposal is filed, you get something called a “stay of proceedings.” That means all those calls from \u003Ca href=\"/blog/what-is-a-debt-collection-agency\">collection agencies\u003C/a>, emails, and threats of legal action? They stop, immediately.\u003C/p>\n\u003Cp>Creditors are legally required to communicate with your LIT instead.\u003C/p>\n\u003Ch3>Avoiding Business Bankruptcy\u003C/h3>\n\u003Cp>Unsurprisingly, \u003Ca href=\"/blog/filing-for-bankruptcy-pros-and-cons\">filing for bankruptcy\u003C/a> can make it harder to keep your business going. It might mean losing essential tools and equipment, damaging your credit, or even closing your doors.\u003C/p>\n\u003Cp>But it’s not your only option.\u003C/p>\n\u003Cp>A consumer proposal gives you the chance to deal with personal debt without putting your business at risk. You can keep working without having to start from scratch.\u003C/p>\n\u003Ch2>What You’ll Need to Prepare\u003C/h2>\n\u003Cp>Getting organized upfront can make the process much smoother and less stressful.\u003C/p>\n\u003Ch3>Business Records and Tax Filings\u003C/h3>\n\u003Cp>Before filing a proposal, your LIT will need a clear view of your financial picture. That means you’ll need to provide them with:\u003C/p>\n\u003Cul>\n\u003Cli>Recent tax returns\u003C/li>\n\u003Cli>Business income and expense statements\u003C/li>\n\u003Cli>A list of creditors and debts\u003C/li>\n\u003Cli>Bank statements for your personal and business accounts\u003C/li>\n\u003C/ul>\n\u003Cp>Keeping good records will help speed up the process and help your LIT build the strongest proposal possible.\u003C/p>\n\u003Ch3>Proof of Income Variability\u003C/h3>\n\u003Cp>You’ll also need to demonstrate how your income fluctuates. This could include:\u003C/p>\n\u003Cul>\n\u003Cli>Invoices and payment records from clients\u003C/li>\n\u003Cli>Contracts or agreements for ongoing work\u003C/li>\n\u003Cli>A breakdown of your average monthly income over the last 6–12 months\u003C/li>\n\u003C/ul>\n\u003Cp>Don’t worry if it feels messy, most self-employed folks aren’t walking around with a perfect spreadsheet. Your Trustee will help you organize what you have.\u003C/p>\n\u003Ch2>Working with a Licensed Insolvency Trustee\u003C/h2>\n\u003Cp>You won’t be doing this alone — your Trustee will guide you through every step with expert support.\u003C/p>\n\u003Ch3>What to Expect from the First Consultation\u003C/h3>\n\u003Cp>Your first meeting with a LIT is free, confidential, and pressure-free. They’ll review your situation and walk you through all your options, like including \u003Ca href=\"/blog/debt-consolidation-guide\">debt consolidation\u003C/a>, budgeting help, and yes, consumer proposals.\u003C/p>\n\u003Cp>They’ll also answer your big questions, like:\u003C/p>\n\u003Cul>\n\u003Cli>Can I file a consumer proposal? (Which the answer is yes!)\u003C/li>\n\u003Cli>Will I lose my clients or business contracts? (Unlikely.)\u003C/li>\n\u003Cli>What happens after filing a consumer proposal? (Here’s a \u003Ca href=\"/consumer-proposal\">full breakdown\u003C/a>.)\u003C/li>\n\u003C/ul>\n\u003Cp>If a proposal is the best fit, they’ll help you get started right away.\u003C/p>\n\u003Ch2>You Deserve a Fresh Start\u003C/h2>\n\u003Cp>Being your own boss doesn’t mean you have to carry your debt alone.\u003C/p>\n\u003Cp>\u003Ca href=\"/debt-relief\">Debt relief\u003C/a> for entrepreneurs exists and consumer proposals are one of the most effective and respectful ways to get there.\u003C/p>\n\u003Cp>They allow you to regain control of your business finances, make manageable monthly payments to settle your debt, and protect what you’ve built.\u003C/p>\n\u003Cp>If you’re facing debt and wondering if a consumer proposal could work for you, let’s talk.\u003C/p>\n\u003Cp>\u003Ca href=\"/book-a-consultation\">Book a free consultation with a Licensed Insolvency Trustee\u003C/a> today and find out what’s possible.\u003C/p>\n",{"title":11,"fullHead":12,"metaRobotsNoindex":13,"metaRobotsNofollow":14},"Self-Employed? 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