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is a consumer proposal?\",\"badgeNumber\":\"\",\"heading\":\"Definition and Overview\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a formal debt relief solution governed by the \u003Ca class=\\\"text-teal\\\" href=\\\"https:\\/\\/laws-lois.justice.gc.ca\\/eng\\/acts\\/B-3\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Bankruptcy and Insolvency Act.\u003C\\/a> Filed through a \u003Ca class=\\\"text-teal\\\" href=\\\"\\/why-a-licensed-insolvency-trustee\\/\\\">Licensed Insolvency Trustee (LIT)\u003C\\/a> like Farber, it allows you to repay only a portion of your unsecured debts through affordable monthly payments\\u2014without interest and without filing for 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A consumer proposal offers a less drastic, more manageable way to deal with your debt.\"},{\"icon\":{\"iD\":3328,\"id\":3328,\"title\":\"icons8-low-price\",\"filename\":\"icons8-low-price.svg\",\"filesize\":1888,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"link\":\"\\/?attachment_id=3328\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-low-price\",\"status\":\"inherit\",\"uploadedTo\":348,\"date\":\"2024-07-22 09:49:42\",\"modified\":\"2024-07-22 09:49:42\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\"},\"heading\":\"Debt Reduction\",\"text\":\"Many people repay as little as 20% of what they owe. Learn how a consumer proposal reduces debt.\"},{\"icon\":{\"iD\":2738,\"id\":2738,\"title\":\"icons8-law\",\"filename\":\"icons8-law.svg\",\"filesize\":3068,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"link\":\"\\/why-a-licensed-insolvency-trustee\\/icons8-law\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-law\",\"status\":\"inherit\",\"uploadedTo\":443,\"date\":\"2024-06-24 15:00:12\",\"modified\":\"2024-06-24 17:12:19\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-law.svg\"},\"heading\":\"Legal Protection\",\"text\":\"Once your proposal is filed, you are protected by law from collection calls, legal action, and wage garnishments.\"},{\"icon\":{\"iD\":3329,\"id\":3329,\"title\":\"icons8-duration-finance\",\"filename\":\"icons8-duration-finance.svg\",\"filesize\":4660,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"link\":\"\\/cmpgn\\/debt-consolidation\\/icons8-duration-finance\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-duration-finance\",\"status\":\"inherit\",\"uploadedTo\":2857,\"date\":\"2024-07-22 09:50:36\",\"modified\":\"2024-07-22 09:59:09\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\"},\"heading\":\"Plan for Your Financial Future\",\"text\":\"You can make a single monthly payment based on what you can realistically afford\\u2014and still keep your home, vehicle, and RRSPs.\"}],\"outroText\":\"\u003Cp>Planning ahead? \u003Ca href=\\\"\\/blog\\/how-a-consumer-proposal-can-impact-mortgage-renewal\\/\\\">Here\\u2019s how a consumer proposal may affect your mortgage renewal and finances.\u003C\\/a>\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"benefits\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"iconSize\":\"96\",\"iconAlignment\":\"middle\"},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":2760,\"id\":2760,\"title\":\"Consumer Proposal 2 (1)\",\"filename\":\"Consumer-Proposal-2-1.png\",\"filesize\":223414,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"link\":\"\\/consumer-proposal\\/consumer-proposal-2-1\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"consumer-proposal-2-1\",\"status\":\"inherit\",\"uploadedTo\":225,\"date\":\"2024-06-25 20:53:14\",\"modified\":\"2024-06-25 20:53:14\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1024,\"height\":1074,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-sm-width\":286,\"gform-image-choice-sm-height\":300,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-md-width\":381,\"gform-image-choice-md-height\":400,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"Am I Eligible?\",\"badgeNumber\":\"\",\"heading\":\"Who Can File\",\"text\":\"\u003Cp>You may qualify if:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>You owe less than $250,000 in unsecured debt (not including a mortgage)\u003C\\/li>\\n\u003Cli>You can\\u2019t keep up with your debt payments\u003C\\/li>\\n\u003Cli>You live in Alberta or have assets in the province\u003C\\/li>\\n\u003Cli>You have enough income to support a repayment plan\u003C\\/li>\\n\u003C\\/ul>\\n\u003Cp class=\\\"mb-5\\\">Not sure if you qualify? \u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/how-to-qualify-for-consumer-proposal\\/\\\">Find out who can file a consumer proposal.\u003C\\/a>\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"eligibility\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"imageContent\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"center\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"dark\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"Types of Debts Covered\",\"text\":\"\u003Cp>Consumer proposals can cover:\u003C\\/p>\\n\",\"list\":[{\"item\":\"Credit card balances\"},{\"item\":\"Personal loaans\"},{\"item\":\"Payday loans\"},{\"item\":\"CRA tax debt\"},{\"item\":\"Student loans (if over 7 years old)\"},{\"item\":\"Lines of credit and other unsecured debts\"}],\"button\":\"\",\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"Steps\",\"introduction\":{\"supertitle\":\"Take the first step\",\"heading\":\"The Consumer Proposal Process with Farber\",\"button\":{\"title\":\"Book a FREE consultation\",\"url\":\"\\/book-a-consultation\",\"target\":\"\"}},\"steps\":[{\"icon\":{\"iD\":2740,\"id\":2740,\"title\":\"icons8-schedule\",\"filename\":\"icons8-schedule.svg\",\"filesize\":2590,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"link\":\"\\/financial-fit-check\\/icons8-schedule\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-schedule\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-06-24 15:00:15\",\"modified\":\"2024-07-02 22:15:52\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\"},\"text\":\"Book a free, confidential consultation with a Licensed Insolvency Trustee in Alberta. We\\u2019ll review your situation and explain your options clearly and without judgment. We also offer guidance on what to expect when entering a proposal.\"},{\"icon\":{\"iD\":3329,\"id\":3329,\"title\":\"icons8-duration-finance\",\"filename\":\"icons8-duration-finance.svg\",\"filesize\":4660,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"link\":\"\\/cmpgn\\/debt-consolidation\\/icons8-duration-finance\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-duration-finance\",\"status\":\"inherit\",\"uploadedTo\":2857,\"date\":\"2024-07-22 09:50:36\",\"modified\":\"2024-07-22 09:59:09\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/icons8-duration-finance.svg\"},\"text\":\"We\\u2019ll help you create a personalized, affordable repayment plan that works for your budget and satisfies your creditors.\"},{\"icon\":{\"iD\":2734,\"id\":2734,\"title\":\"icons8-form\",\"filename\":\"icons8-form.svg\",\"filesize\":1882,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"link\":\"\\/financial-fit-check\\/icons8-form\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-form\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-06-24 15:00:05\",\"modified\":\"2024-07-02 22:15:52\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-form.svg\"},\"text\":\"Your consumer proposal is submitted through the Office of the Superintendent of Bankruptcy Canada. If the majority of creditors accept it, all are legally bound by the terms. While proposals can be rejected\\u2014often due to concerns about repayment or missing details\\u2014Farber is here to guide you every step of the way and help ensure your proposal is clear, complete, and positioned for success.\"},{\"icon\":{\"iD\":2724,\"id\":2724,\"title\":\"icons8-card-payment\",\"filename\":\"icons8-card-payment.svg\",\"filesize\":2524,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"link\":\"\\/what-you-need-to-know\\/icons8-card-payment\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-card-payment\",\"status\":\"inherit\",\"uploadedTo\":377,\"date\":\"2024-06-24 14:59:53\",\"modified\":\"2024-06-24 17:15:37\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\"},\"text\":\"Once approved, you make one affordable monthly payment. After completing the payment terms and two counselling sessions, the remaining debt is forgiven.\"}],\"showArrows\":true,\"anchorId\":\"\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Choose Farber in Alberta?\",\"introText\":\"\",\"icons\":[{\"icon\":{\"iD\":2878,\"id\":2878,\"title\":\"check-circle\",\"filename\":\"check-circle.png\",\"filesize\":1020,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"link\":\"\\/financial-fit-check\\/check-circle\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"check-circle\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-07-02 22:00:40\",\"modified\":\"2024-07-02 22:00:40\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":49,\"height\":49,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"thumbnail-width\":49,\"thumbnail-height\":49,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"medium-width\":49,\"medium-height\":49,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"mediumLarge-width\":49,\"mediumLarge-height\":49,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"large-width\":49,\"large-height\":49,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"1536x1536-width\":49,\"1536x1536-height\":49,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"2048x2048-width\":49,\"2048x2048-height\":49,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-sm-width\":49,\"gform-image-choice-sm-height\":49,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-md-width\":49,\"gform-image-choice-md-height\":49,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-lg-width\":49,\"gform-image-choice-lg-height\":49},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\"},\"heading\":\"Experienced Licensed Insolvency Trustees\",\"text\":\"We\\u2019ve helped thousands of Canadians take control of their debt\\u2014with care, clarity, and expertise.\"},{\"icon\":{\"iD\":2878,\"id\":2878,\"title\":\"check-circle\",\"filename\":\"check-circle.png\",\"filesize\":1020,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"link\":\"\\/financial-fit-check\\/check-circle\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"check-circle\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-07-02 22:00:40\",\"modified\":\"2024-07-02 22:00:40\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":49,\"height\":49,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"thumbnail-width\":49,\"thumbnail-height\":49,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"medium-width\":49,\"medium-height\":49,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"mediumLarge-width\":49,\"mediumLarge-height\":49,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"large-width\":49,\"large-height\":49,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"1536x1536-width\":49,\"1536x1536-height\":49,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"2048x2048-width\":49,\"2048x2048-height\":49,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-sm-width\":49,\"gform-image-choice-sm-height\":49,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-md-width\":49,\"gform-image-choice-md-height\":49,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-lg-width\":49,\"gform-image-choice-lg-height\":49},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\"},\"heading\":\"Personalized, Compassionate Service\",\"text\":\"Every financial situation is unique. We\\u2019ll take the time to listen and develop a plan tailored to you\\u2014without judgment. If a consumer proposal isn\\u2019t the right fit, we can also help you explore other options\\u2014like debt counselling, bankruptcy or debt consolidation\\u2014to find the best path forward. \"},{\"icon\":{\"iD\":2878,\"id\":2878,\"title\":\"check-circle\",\"filename\":\"check-circle.png\",\"filesize\":1020,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"link\":\"\\/financial-fit-check\\/check-circle\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"check-circle\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-07-02 22:00:40\",\"modified\":\"2024-07-02 22:00:40\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":49,\"height\":49,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"thumbnail-width\":49,\"thumbnail-height\":49,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"medium-width\":49,\"medium-height\":49,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"mediumLarge-width\":49,\"mediumLarge-height\":49,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"large-width\":49,\"large-height\":49,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"1536x1536-width\":49,\"1536x1536-height\":49,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"2048x2048-width\":49,\"2048x2048-height\":49,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-sm-width\":49,\"gform-image-choice-sm-height\":49,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-md-width\":49,\"gform-image-choice-md-height\":49,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"gform-image-choice-lg-width\":49,\"gform-image-choice-lg-height\":49},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\"},\"heading\":\"Local Offices Throughout Alberta\",\"text\":\"Farber has conveniently located offices across Alberta, so you can get help close to home. We also offer virtual consultations if you prefer.\"}],\"outroText\":\"\",\"button\":\"\",\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"iconSize\":\"48\",\"iconAlignment\":\"top\"},{\"fieldGroupName\":\"ReviewSliderManualEntry\",\"reviews\":[{\"url\":\"https:\\/\\/ca.trustpilot.com\\/reviews\\/6742b1eb81b1e366a93b4968\",\"stars\":\"5\",\"text\":\"Farber company you guys did an excellent job, I recommend for other people right me, because I been gone through Alberta three companies, but nothing right better than Farber. I would like thanks again your teams done amazing job\",\"name\":\"Ken C.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/6796e5e2089ebe82e0ccc0cd\",\"stars\":\"5\",\"text\":\"Right from the outset I was treated with dignity and professionalism, and Marcey who was the lead on my particular case was excellent. Also the other individual I can't remember his name I think it was John when we did the signing was also very informative and professional. Again I was shown empathy and professionalism as I was very embarrassed to go through this process however your staff who took care of my case were more than adequate they were actually fantastic. Thank you I'd be more than happy to recommend your services to anybody I know who's going through this unfortunate situation\",\"name\":\"Merv D.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/610985767b060c0012abdaa8\",\"stars\":\"5\",\"text\":\"Coreena made everything smooth. From the beginning that I spoke to her and gave my story, she listened and did not judge me.\",\"name\":\"Marie C.\"}],\"showTrustpilotSummaryLink\":true,\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"bottom-padding\"]},{\"fieldGroupName\":\"FormEmbed\",\"anchorId\":\"\",\"layout\":\"1-col\",\"form\":{\"ID\":322,\"post_author\":\"6\",\"post_date\":\"2024-06-05 14:23:04\",\"post_date_gmt\":\"2024-06-05 18:23:04\",\"post_content\":\"\u003Ch2>Your free, confidential consultation is waiting\u003C\\/h2>\\r\\nPlease fill in the required fields (marked with *)\\r\\n\\r\\n[gravityform id=\\\"11\\\" title=\\\"false\\\" ajax=\\\"true\\\"]\",\"post_title\":\"Book a Consultation\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"book-a-consultation\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2024-08-12 10:54:31\",\"post_modified_gmt\":\"2024-08-12 14:54:31\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=form_embed&p=322\",\"menu_order\":0,\"post_type\":\"form_embed\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},\"heading\":\"\",\"content\":\"\",\"hideContentOnMobile\":false,\"backgroundColor\":\"bg-white\"},{\"fieldGroupName\":\"FaqAccordion\",\"introduction\":{\"supertitle\":\"\",\"heading\":\"Frequently asked questions\",\"text\":\"Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.\"},\"type\":\"faq\",\"accordions\":false,\"faqs\":[{\"ID\":4151,\"post_author\":\"6\",\"post_date\":\"2025-07-16 08:24:44\",\"post_date_gmt\":\"2025-07-16 12:24:44\",\"post_content\":\"In many cases, yes. A consumer proposal allows you to keep your assets and repay only a portion of your debt, with less impact on your credit than bankruptcy. Still weighing your options? Here are the \u003Ca href=\\\"\\/blog\\/pros-and-cons-of-filing-a-consumer-proposal\\\">pros and cons to consider.\u003C\\/a> Consumer proposals are regulated under the \u003Ca href=\\\"https:\\/\\/laws-lois.justice.gc.ca\\/eng\\/acts\\/B-3\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Bankruptcy and Insolvency Act\u003C\\/a> to ensure fairness and legal protection.\",\"post_title\":\"Is a consumer proposal better than bankruptcy?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"is-a-consumer-proposal-better-than-bankruptcy\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 08:24:45\",\"post_modified_gmt\":\"2025-07-16 12:24:45\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4151\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4152,\"post_author\":\"6\",\"post_date\":\"2025-07-16 08:25:16\",\"post_date_gmt\":\"2025-07-16 12:25:16\",\"post_content\":\"Yes\\u2014though it may take a little time. Once your proposal is officially filed, we notify all creditors that they must stop collection calls and legal actions. While it can take a few weeks for their systems to update, the protection starts right away and we\\u2019re here to support you through the process.\",\"post_title\":\"Will creditors stop calling after I file?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-creditors-stop-calling-after-i-file\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 08:25:16\",\"post_modified_gmt\":\"2025-07-16 12:25:16\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4152\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4153,\"post_author\":\"6\",\"post_date\":\"2025-07-16 08:25:50\",\"post_date_gmt\":\"2025-07-16 12:25:50\",\"post_content\":\"Yes. CRA tax debt is commonly included and may be significantly reduced.\",\"post_title\":\"Can I include tax debt in my consumer proposal?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-include-tax-debt-in-my-consumer-proposal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 08:25:50\",\"post_modified_gmt\":\"2025-07-16 12:25:50\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4153\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4154,\"post_author\":\"6\",\"post_date\":\"2025-07-16 08:26:41\",\"post_date_gmt\":\"2025-07-16 12:26:41\",\"post_content\":\"Most last 3 to 5 years, but there\\u2019s flexibility\\u2014and no penalties for paying it off early.\",\"post_title\":\"How long does a consumer proposal last?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"how-long-does-a-consumer-proposal-last-2\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 08:26:41\",\"post_modified_gmt\":\"2025-07-16 12:26:41\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4154\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"button\":{\"title\":\"See more FAQ\",\"url\":\"\\/faq\",\"target\":\"\"},\"enableSeoSchema\":true,\"anchorId\":\"faqs\"},{\"fieldGroupName\":\"CtasBanner\",\"heading\":\"Learn More About Our Alberta Locations\",\"text\":\"\u003Cp>\u003Cstrong>Find Support Near You\u003C\\/strong>\u003C\\/p>\\n\u003Cp>We offer in-person and virtual consultations across Alberta to make debt help more accessible\\u2014wherever you are.\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"Calgary\",\"url\":\"\\/locations\\/calgary\",\"target\":\"\"}},{\"button\":{\"title\":\"Edmonton\",\"url\":\"\\/locations\\/edmonton\",\"target\":\"\"}},{\"button\":{\"title\":\"Red Deer\",\"url\":\"\\/locations\\/red-deer\",\"target\":\"\"}},{\"button\":{\"title\":\"Fort McMurray\",\"url\":\"\\/locations\\/fort-mcmurray\",\"target\":\"\"}},{\"button\":{\"title\":\"Grande Prairie\",\"url\":\"\\/locations\\/grande-prairie\",\"target\":\"\"}},{\"button\":{\"title\":\"Lethbridge\",\"url\":\"\\/locations\\/lethbridge\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"}]",{"pageNavigation":13},"default",{"title":6,"fullHead":15,"metaRobotsNoindex":16,"metaRobotsNofollow":17},"\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Reduce your debt in Alberta with a consumer proposal. Farber offers expert guidance to help you avoid bankruptcy. Free consultation\" />\n\u003Clink rel=\"canonical\" href=\"/consumer-proposal/alberta/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Consumer Proposal Alberta\" />\n\u003Cmeta property=\"og:description\" content=\"Reduce your debt in Alberta with a consumer proposal. Farber offers expert guidance to help you avoid bankruptcy. Free consultation\" />\n\u003Cmeta property=\"og:url\" content=\"/consumer-proposal/alberta/\" />\n\u003Cmeta property=\"og:site_name\" content=\"Farber Debt Solutions\" />\n\u003Cmeta property=\"article:modified_time\" content=\"2025-07-16T13:50:48+00:00\" />\n\u003Cmeta name=\"twitter:card\" content=\"summary_large_image\" />\n\u003Cscript type=\"application/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https://schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"/consumer-proposal/alberta/\",\"url\":\"/consumer-proposal/alberta/\",\"name\":\"Consumer Proposal Alberta\",\"isPartOf\":{\"@id\":\"/#website\"},\"datePublished\":\"2025-07-16T12:26:49+00:00\",\"dateModified\":\"2025-07-16T13:50:48+00:00\",\"description\":\"Reduce your debt in Alberta with a consumer proposal. Farber offers expert guidance to help you avoid bankruptcy. Free consultation\",\"breadcrumb\":{\"@id\":\"/consumer-proposal/alberta/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"/consumer-proposal/alberta/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"/consumer-proposal/alberta/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Consumer Proposal\",\"item\":\"https://hync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com/consumer-proposal/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Consumer Proposal Alberta\"}]},{\"@type\":\"WebSite\",\"@id\":\"/#website\",\"url\":\"/\",\"name\":\"Farber\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}\u003C/script>\n\u003C!-- / Yoast SEO plugin. -->","index","follow",{"showLiveChat":19},true,"en",[],[23,70,86,124,148,220,243,264,317,347,364,381,426],{"fieldGroupName":24,"heading":25,"text":26,"image":27,"button":34,"backgroundColor":68,"spacing":69},"StandardHeader","A consumer proposal in Alberta is an alternative to bankruptcy","While not everyone is familiar with it, a consumer proposal can be a powerful debt-relief option that may significantly reduce or even eliminate what you owe. It must be filed through a Licensed Insolvency Trustee (LIT), like our team.",{"iD":28,"id":28,"title":29,"filename":30,"filesize":31,"url":32,"link":33,"alt":34,"author":35,"description":34,"caption":34,"name":36,"status":37,"uploadedTo":38,"date":39,"modified":40,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":46,"height":47,"sizes":48,"relativeUrl":67},2793,"Consumer Proposal","Consumer-Proposal.png",573435,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal.png","/consumer-proposal/consumer-proposal-3/","","6","consumer-proposal-3","inherit",225,"2024-06-27 14:57:26","2024-06-27 15:16:56",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":49,"thumbnail-width":50,"thumbnail-height":50,"medium":51,"medium-width":52,"medium-height":53,"mediumLarge":54,"mediumLarge-width":55,"mediumLarge-height":56,"large":57,"large-width":58,"large-height":59,"1536x1536":60,"1536x1536-width":61,"1536x1536-height":62,"2048x2048":32,"2048x2048-width":46,"2048x2048-height":47,"gform-image-choice-sm":32,"gform-image-choice-sm-width":52,"gform-image-choice-sm-height":53,"gform-image-choice-md":32,"gform-image-choice-md-width":63,"gform-image-choice-md-height":64,"gform-image-choice-lg":32,"gform-image-choice-lg-width":65,"gform-image-choice-lg-height":66},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/06/Consumer-Proposal.png","bg-gold-lightest",[],{"fieldGroupName":71,"heading":72,"anchors":73},"AnchorLinks","On this page",[74,77,80,83],{"title":75,"anchorId":76},"What is a consumer proposal?","what-is-a-consumer-proposal",{"title":78,"anchorId":79},"Getting started","getting-started",{"title":81,"anchorId":82},"Benefits","benefits",{"title":84,"anchorId":85},"Eligibility","eligibility",{"fieldGroupName":87,"image":88,"supertitleStyling":109,"supertitle":75,"badgeNumber":34,"heading":110,"text":111,"button":34,"anchorId":76,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":115,"textAlignment":118,"bodyTextSize":120,"showArrowBelow":121,"spacing":122,"buttonStyling":123},"ImageTextBanner",{"iD":89,"id":89,"title":90,"filename":91,"filesize":92,"url":93,"link":94,"alt":34,"author":35,"description":34,"caption":34,"name":95,"status":37,"uploadedTo":38,"date":96,"modified":96,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":97,"sizes":98,"relativeUrl":108},2752,"Consumer Proposal 1","Consumer-Proposal-1.png",236037,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1.png","/consumer-proposal/consumer-proposal-1/","consumer-proposal-1","2024-06-25 13:38:23",1074,{"thumbnail":99,"thumbnail-width":50,"thumbnail-height":50,"medium":100,"medium-width":101,"medium-height":52,"mediumLarge":102,"mediumLarge-width":55,"mediumLarge-height":103,"large":104,"large-width":105,"large-height":58,"1536x1536":93,"1536x1536-width":58,"1536x1536-height":97,"2048x2048":93,"2048x2048-width":58,"2048x2048-height":97,"gform-image-choice-sm":93,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":52,"gform-image-choice-md":93,"gform-image-choice-md-width":106,"gform-image-choice-md-height":63,"gform-image-choice-lg":93,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-286x300.png",286,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-768x806.png",806,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-976x1024.png",976,381,572,"/wp-content/uploads/2024/06/Consumer-Proposal-1.png","regular","Definition and Overview","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a formal debt relief solution governed by the \u003Ca class=\"text-teal\" href=\"https://laws-lois.justice.gc.ca/eng/acts/B-3/\" target=\"_blank\" rel=\"noopener\">Bankruptcy and Insolvency Act.\u003C/a> Filed through a \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustee (LIT)\u003C/a> like Farber, it allows you to repay only a portion of your unsecured debts through affordable monthly payments—without interest and without filing for bankruptcy.\u003C/p>\n","bg-white","contained","4/12",{"desktop":116,"mobile":117},"imageContent","contentImage",{"desktop":119,"mobile":119},"left","base",false,[],"light",{"fieldGroupName":87,"image":125,"supertitleStyling":109,"supertitle":78,"badgeNumber":34,"heading":142,"text":143,"button":34,"anchorId":79,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":144,"textAlignment":145,"bodyTextSize":120,"showArrowBelow":121,"spacing":146,"buttonStyling":147},{"iD":126,"id":126,"title":127,"filename":128,"filesize":129,"url":130,"link":131,"alt":34,"author":35,"description":34,"caption":34,"name":132,"status":37,"uploadedTo":133,"date":134,"modified":135,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":97,"sizes":136,"relativeUrl":141},2780,"Debt Counselling 2","Debt-Counselling-2.png",333992,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2.png","/debt-counselling/debt-counselling-2/","debt-counselling-2",373,"2024-06-27 14:56:33","2024-06-27 15:15:07",{"thumbnail":137,"thumbnail-width":50,"thumbnail-height":50,"medium":138,"medium-width":101,"medium-height":52,"mediumLarge":139,"mediumLarge-width":55,"mediumLarge-height":103,"large":140,"large-width":105,"large-height":58,"1536x1536":130,"1536x1536-width":58,"1536x1536-height":97,"2048x2048":130,"2048x2048-width":58,"2048x2048-height":97,"gform-image-choice-sm":130,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":52,"gform-image-choice-md":130,"gform-image-choice-md-width":106,"gform-image-choice-md-height":63,"gform-image-choice-lg":130,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-976x1024.png","/wp-content/uploads/2024/06/Debt-Counselling-2.png","How It Works in Alberta","\u003Cp>If you’re struggling with debt, a Farber LIT will work with you to design a custom repayment plan based on your budget. Once the proposal is filed and accepted by your creditors, it becomes legally binding, providing immediate protection from collection calls, legal action, and wage garnishments.\u003C/p>\n",{"desktop":117,"mobile":117},{"desktop":119,"mobile":119},[],"dark",{"fieldGroupName":149,"supertitle":34,"heading":150,"introText":34,"icons":151,"outroText":213,"button":34,"anchorId":82,"backgroundColor":214,"padding":215,"iconSize":218,"iconAlignment":219},"IconGrid","Benefits of a Consumer Proposal in Alberta",[152,169,183,198],{"icon":153,"heading":167,"text":168},{"iD":154,"id":154,"title":155,"filename":156,"filesize":157,"url":158,"link":159,"alt":34,"author":35,"description":34,"caption":34,"name":155,"status":37,"uploadedTo":160,"date":161,"modified":161,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":165,"relativeUrl":166},3333,"icons8-decline","icons8-decline.svg",1991,"https://www.farber.ca/wp-content/uploads/2024/07/icons8-decline.svg","/cmpgn/bankruptcy/icons8-decline/",2860,"2024-07-22 12:46:28","image/svg+xml","svg+xml",96,{"thumbnail":158,"thumbnail-width":50,"thumbnail-height":50,"medium":158,"medium-width":52,"medium-height":52,"mediumLarge":158,"mediumLarge-width":55,"mediumLarge-height":55,"large":158,"large-width":58,"large-height":58,"1536x1536":158,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":158,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":158,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":158,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":158,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/07/icons8-decline.svg","Avoid Bankruptcy","Bankruptcy isn’t your only option. A consumer proposal offers a less drastic, more manageable way to deal with your debt.",{"icon":170,"heading":181,"text":182},{"iD":171,"id":171,"title":172,"filename":173,"filesize":174,"url":175,"link":176,"alt":34,"author":35,"description":34,"caption":34,"name":172,"status":37,"uploadedTo":177,"date":178,"modified":178,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":179,"relativeUrl":180},3328,"icons8-low-price","icons8-low-price.svg",1888,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-low-price.svg","/?attachment_id=3328",348,"2024-07-22 09:49:42",{"thumbnail":175,"thumbnail-width":50,"thumbnail-height":50,"medium":175,"medium-width":52,"medium-height":52,"mediumLarge":175,"mediumLarge-width":55,"mediumLarge-height":55,"large":175,"large-width":58,"large-height":58,"1536x1536":175,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":175,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":175,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":175,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":175,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-low-price.svg","Debt Reduction","Many people repay as little as 20% of what they owe. Learn how a consumer proposal reduces debt.",{"icon":184,"heading":196,"text":197},{"iD":185,"id":185,"title":186,"filename":187,"filesize":188,"url":189,"link":190,"alt":34,"author":35,"description":34,"caption":34,"name":186,"status":37,"uploadedTo":191,"date":192,"modified":193,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":194,"relativeUrl":195},2738,"icons8-law","icons8-law.svg",3068,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-law.svg","/why-a-licensed-insolvency-trustee/icons8-law/",443,"2024-06-24 15:00:12","2024-06-24 17:12:19",{"thumbnail":189,"thumbnail-width":50,"thumbnail-height":50,"medium":189,"medium-width":52,"medium-height":52,"mediumLarge":189,"mediumLarge-width":55,"mediumLarge-height":55,"large":189,"large-width":58,"large-height":58,"1536x1536":189,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":189,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":189,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":189,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":189,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-law.svg","Legal Protection","Once your proposal is filed, you are protected by law from collection calls, legal action, and wage garnishments.",{"icon":199,"heading":211,"text":212},{"iD":200,"id":200,"title":201,"filename":202,"filesize":203,"url":204,"link":205,"alt":34,"author":35,"description":34,"caption":34,"name":201,"status":37,"uploadedTo":206,"date":207,"modified":208,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":209,"relativeUrl":210},3329,"icons8-duration-finance","icons8-duration-finance.svg",4660,"https://www.farber.ca/wp-content/uploads/2024/07/icons8-duration-finance.svg","/cmpgn/debt-consolidation/icons8-duration-finance/",2857,"2024-07-22 09:50:36","2024-07-22 09:59:09",{"thumbnail":204,"thumbnail-width":50,"thumbnail-height":50,"medium":204,"medium-width":52,"medium-height":52,"mediumLarge":204,"mediumLarge-width":55,"mediumLarge-height":55,"large":204,"large-width":58,"large-height":58,"1536x1536":204,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":204,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":204,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":204,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":204,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/07/icons8-duration-finance.svg","Plan for Your Financial Future","You can make a single monthly payment based on what you can realistically afford—and still keep your home, vehicle, and RRSPs.","\u003Cp>Planning ahead? \u003Ca href=\"/blog/how-a-consumer-proposal-can-impact-mortgage-renewal/\">Here’s how a consumer proposal may affect your mortgage renewal and finances.\u003C/a>\u003C/p>\n","bg-teal-lightest",[216,217],"top-padding","bottom-padding","96","middle",{"fieldGroupName":87,"image":221,"supertitleStyling":109,"supertitle":236,"badgeNumber":34,"heading":237,"text":238,"button":34,"anchorId":85,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":239,"textAlignment":240,"bodyTextSize":120,"showArrowBelow":121,"spacing":242,"buttonStyling":147},{"iD":222,"id":222,"title":223,"filename":224,"filesize":225,"url":226,"link":227,"alt":34,"author":35,"description":34,"caption":34,"name":228,"status":37,"uploadedTo":38,"date":229,"modified":229,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":97,"sizes":230,"relativeUrl":235},2760,"Consumer Proposal 2 (1)","Consumer-Proposal-2-1.png",223414,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1.png","/consumer-proposal/consumer-proposal-2-1/","consumer-proposal-2-1","2024-06-25 20:53:14",{"thumbnail":231,"thumbnail-width":50,"thumbnail-height":50,"medium":232,"medium-width":101,"medium-height":52,"mediumLarge":233,"mediumLarge-width":55,"mediumLarge-height":103,"large":234,"large-width":105,"large-height":58,"1536x1536":226,"1536x1536-width":58,"1536x1536-height":97,"2048x2048":226,"2048x2048-width":58,"2048x2048-height":97,"gform-image-choice-sm":226,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":52,"gform-image-choice-md":226,"gform-image-choice-md-width":106,"gform-image-choice-md-height":63,"gform-image-choice-lg":226,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-976x1024.png","/wp-content/uploads/2024/06/Consumer-Proposal-2-1.png","Am I Eligible?","Who Can File","\u003Cp>You may qualify if:\u003C/p>\n\u003Cul>\n\u003Cli>You owe less than $250,000 in unsecured debt (not including a mortgage)\u003C/li>\n\u003Cli>You can’t keep up with your debt payments\u003C/li>\n\u003Cli>You live in Alberta or have assets in the province\u003C/li>\n\u003Cli>You have enough income to support a repayment plan\u003C/li>\n\u003C/ul>\n\u003Cp class=\"mb-5\">Not sure if you qualify? \u003Ca class=\"text-teal\" href=\"/blog/how-to-qualify-for-consumer-proposal/\">Find out who can file a consumer proposal.\u003C/a>\u003C/p>\n",{"desktop":116,"mobile":116},{"desktop":119,"mobile":241},"center",[],{"fieldGroupName":244,"heading":245,"text":246,"list":247,"button":34,"backgroundColor":112,"padding":260,"mobileColumns":261,"desktopColumns":262,"width":263},"SmallCheckmarkList","Types of Debts Covered","\u003Cp>Consumer proposals can cover:\u003C/p>\n",[248,250,252,254,256,258],{"item":249},"Credit card balances",{"item":251},"Personal loaans",{"item":253},"Payday loans",{"item":255},"CRA tax debt",{"item":257},"Student loans (if over 7 years old)",{"item":259},"Lines of credit and other unsecured debts",[217],"cols-1","auto","12/12",{"fieldGroupName":265,"introduction":266,"steps":272,"showArrows":19,"anchorId":34},"Steps",{"supertitle":267,"heading":268,"button":269},"Take the first step","The Consumer Proposal Process with Farber",{"title":270,"url":271,"target":34},"Book a FREE consultation","/book-a-consultation",[273,287,291,303],{"icon":274,"text":286},{"iD":275,"id":275,"title":276,"filename":277,"filesize":278,"url":279,"link":280,"alt":34,"author":35,"description":34,"caption":34,"name":276,"status":37,"uploadedTo":281,"date":282,"modified":283,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":284,"relativeUrl":285},2740,"icons8-schedule","icons8-schedule.svg",2590,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-schedule.svg","/financial-fit-check/icons8-schedule/",353,"2024-06-24 15:00:15","2024-07-02 22:15:52",{"thumbnail":279,"thumbnail-width":50,"thumbnail-height":50,"medium":279,"medium-width":52,"medium-height":52,"mediumLarge":279,"mediumLarge-width":55,"mediumLarge-height":55,"large":279,"large-width":58,"large-height":58,"1536x1536":279,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":279,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":279,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":279,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":279,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-schedule.svg","Book a free, confidential consultation with a Licensed Insolvency Trustee in Alberta. We’ll review your situation and explain your options clearly and without judgment. We also offer guidance on what to expect when entering a proposal.",{"icon":288,"text":290},{"iD":200,"id":200,"title":201,"filename":202,"filesize":203,"url":204,"link":205,"alt":34,"author":35,"description":34,"caption":34,"name":201,"status":37,"uploadedTo":206,"date":207,"modified":208,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":289,"relativeUrl":210},{"thumbnail":204,"thumbnail-width":50,"thumbnail-height":50,"medium":204,"medium-width":52,"medium-height":52,"mediumLarge":204,"mediumLarge-width":55,"mediumLarge-height":55,"large":204,"large-width":58,"large-height":58,"1536x1536":204,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":204,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":204,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":204,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":204,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"We’ll help you create a personalized, affordable repayment plan that works for your budget and satisfies your creditors.",{"icon":292,"text":302},{"iD":293,"id":293,"title":294,"filename":295,"filesize":296,"url":297,"link":298,"alt":34,"author":35,"description":34,"caption":34,"name":294,"status":37,"uploadedTo":281,"date":299,"modified":283,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":300,"relativeUrl":301},2734,"icons8-form","icons8-form.svg",1882,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-form.svg","/financial-fit-check/icons8-form/","2024-06-24 15:00:05",{"thumbnail":297,"thumbnail-width":50,"thumbnail-height":50,"medium":297,"medium-width":52,"medium-height":52,"mediumLarge":297,"mediumLarge-width":55,"mediumLarge-height":55,"large":297,"large-width":58,"large-height":58,"1536x1536":297,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":297,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":297,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":297,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":297,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-form.svg","Your consumer proposal is submitted through the Office of the Superintendent of Bankruptcy Canada. If the majority of creditors accept it, all are legally bound by the terms. While proposals can be rejected—often due to concerns about repayment or missing details—Farber is here to guide you every step of the way and help ensure your proposal is clear, complete, and positioned for success.",{"icon":304,"text":316},{"iD":305,"id":305,"title":306,"filename":307,"filesize":308,"url":309,"link":310,"alt":34,"author":35,"description":34,"caption":34,"name":306,"status":37,"uploadedTo":311,"date":312,"modified":313,"menuOrder":41,"mimeType":162,"type":43,"subtype":163,"icon":45,"width":164,"height":164,"sizes":314,"relativeUrl":315},2724,"icons8-card-payment","icons8-card-payment.svg",2524,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-card-payment.svg","/what-you-need-to-know/icons8-card-payment/",377,"2024-06-24 14:59:53","2024-06-24 17:15:37",{"thumbnail":309,"thumbnail-width":50,"thumbnail-height":50,"medium":309,"medium-width":52,"medium-height":52,"mediumLarge":309,"mediumLarge-width":55,"mediumLarge-height":55,"large":309,"large-width":58,"large-height":58,"1536x1536":309,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":309,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":309,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":309,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":309,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-card-payment.svg","Once approved, you make one affordable monthly payment. After completing the payment terms and two counselling sessions, the remaining debt is forgiven.",{"fieldGroupName":149,"supertitle":34,"heading":318,"introText":34,"icons":319,"outroText":34,"button":34,"anchorId":34,"backgroundColor":214,"padding":344,"iconSize":345,"iconAlignment":346},"Why Choose Farber in Alberta?",[320,334,339],{"icon":321,"heading":332,"text":333},{"iD":322,"id":322,"title":323,"filename":324,"filesize":325,"url":326,"link":327,"alt":34,"author":35,"description":34,"caption":34,"name":323,"status":37,"uploadedTo":281,"date":328,"modified":328,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":329,"height":329,"sizes":330,"relativeUrl":331},2878,"check-circle","check-circle.png",1020,"https://www.farber.ca/wp-content/uploads/2024/07/check-circle.png","/financial-fit-check/check-circle/","2024-07-02 22:00:40",49,{"thumbnail":326,"thumbnail-width":329,"thumbnail-height":329,"medium":326,"medium-width":329,"medium-height":329,"mediumLarge":326,"mediumLarge-width":329,"mediumLarge-height":329,"large":326,"large-width":329,"large-height":329,"1536x1536":326,"1536x1536-width":329,"1536x1536-height":329,"2048x2048":326,"2048x2048-width":329,"2048x2048-height":329,"gform-image-choice-sm":326,"gform-image-choice-sm-width":329,"gform-image-choice-sm-height":329,"gform-image-choice-md":326,"gform-image-choice-md-width":329,"gform-image-choice-md-height":329,"gform-image-choice-lg":326,"gform-image-choice-lg-width":329,"gform-image-choice-lg-height":329},"/wp-content/uploads/2024/07/check-circle.png","Experienced Licensed Insolvency Trustees","We’ve helped thousands of Canadians take control of their debt—with care, clarity, and expertise.",{"icon":335,"heading":337,"text":338},{"iD":322,"id":322,"title":323,"filename":324,"filesize":325,"url":326,"link":327,"alt":34,"author":35,"description":34,"caption":34,"name":323,"status":37,"uploadedTo":281,"date":328,"modified":328,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":329,"height":329,"sizes":336,"relativeUrl":331},{"thumbnail":326,"thumbnail-width":329,"thumbnail-height":329,"medium":326,"medium-width":329,"medium-height":329,"mediumLarge":326,"mediumLarge-width":329,"mediumLarge-height":329,"large":326,"large-width":329,"large-height":329,"1536x1536":326,"1536x1536-width":329,"1536x1536-height":329,"2048x2048":326,"2048x2048-width":329,"2048x2048-height":329,"gform-image-choice-sm":326,"gform-image-choice-sm-width":329,"gform-image-choice-sm-height":329,"gform-image-choice-md":326,"gform-image-choice-md-width":329,"gform-image-choice-md-height":329,"gform-image-choice-lg":326,"gform-image-choice-lg-width":329,"gform-image-choice-lg-height":329},"Personalized, Compassionate Service","Every financial situation is unique. We’ll take the time to listen and develop a plan tailored to you—without judgment. If a consumer proposal isn’t the right fit, we can also help you explore other options—like debt counselling, bankruptcy or debt consolidation—to find the best path forward. ",{"icon":340,"heading":342,"text":343},{"iD":322,"id":322,"title":323,"filename":324,"filesize":325,"url":326,"link":327,"alt":34,"author":35,"description":34,"caption":34,"name":323,"status":37,"uploadedTo":281,"date":328,"modified":328,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":329,"height":329,"sizes":341,"relativeUrl":331},{"thumbnail":326,"thumbnail-width":329,"thumbnail-height":329,"medium":326,"medium-width":329,"medium-height":329,"mediumLarge":326,"mediumLarge-width":329,"mediumLarge-height":329,"large":326,"large-width":329,"large-height":329,"1536x1536":326,"1536x1536-width":329,"1536x1536-height":329,"2048x2048":326,"2048x2048-width":329,"2048x2048-height":329,"gform-image-choice-sm":326,"gform-image-choice-sm-width":329,"gform-image-choice-sm-height":329,"gform-image-choice-md":326,"gform-image-choice-md-width":329,"gform-image-choice-md-height":329,"gform-image-choice-lg":326,"gform-image-choice-lg-width":329,"gform-image-choice-lg-height":329},"Local Offices Throughout Alberta","Farber has conveniently located offices across Alberta, so you can get help close to home. We also offer virtual consultations if you prefer.",[216,217],"48","top",{"fieldGroupName":348,"reviews":349,"showTrustpilotSummaryLink":19,"anchorId":34,"backgroundColor":214,"padding":363},"ReviewSliderManualEntry",[350,355,359],{"url":351,"stars":352,"text":353,"name":354},"https://ca.trustpilot.com/reviews/6742b1eb81b1e366a93b4968","5","Farber company you guys did an excellent job, I recommend for other people right me, because I been gone through Alberta three companies, but nothing right better than Farber. I would like thanks again your teams done amazing job","Ken C.",{"url":356,"stars":352,"text":357,"name":358},"https://ca.trustpilot.com/users/6796e5e2089ebe82e0ccc0cd","Right from the outset I was treated with dignity and professionalism, and Marcey who was the lead on my particular case was excellent. Also the other individual I can't remember his name I think it was John when we did the signing was also very informative and professional. Again I was shown empathy and professionalism as I was very embarrassed to go through this process however your staff who took care of my case were more than adequate they were actually fantastic. Thank you I'd be more than happy to recommend your services to anybody I know who's going through this unfortunate situation","Merv D.",{"url":360,"stars":352,"text":361,"name":362},"https://ca.trustpilot.com/users/610985767b060c0012abdaa8","Coreena made everything smooth. From the beginning that I spoke to her and gave my story, she listened and did not judge me.","Marie C.",[217],{"fieldGroupName":365,"anchorId":34,"layout":366,"form":367,"heading":34,"content":34,"hideContentOnMobile":121,"backgroundColor":112},"FormEmbed","1-col",{"ID":368,"post_author":35,"post_date":369,"post_date_gmt":370,"post_content":371,"post_title":372,"post_excerpt":34,"post_status":10,"comment_status":373,"ping_status":373,"post_password":34,"post_name":374,"to_ping":34,"pinged":34,"post_modified":375,"post_modified_gmt":376,"post_content_filtered":34,"post_parent":41,"guid":377,"menu_order":41,"post_type":378,"post_mime_type":34,"comment_count":379,"filter":380},322,"2024-06-05 14:23:04","2024-06-05 18:23:04","\u003Ch2>Your free, confidential consultation is waiting\u003C/h2>\r\nPlease fill in the required fields (marked with *)\r\n\r\n[gravityform id=\"11\" title=\"false\" ajax=\"true\"]","Book a Consultation","closed","book-a-consultation","2024-08-12 10:54:31","2024-08-12 14:54:31","https://www.farber.ca/?post_type=form_embed&p=322","form_embed","0","raw",{"fieldGroupName":382,"introduction":383,"type":386,"accordions":121,"faqs":387,"button":422,"enableSeoSchema":19,"anchorId":425},"FaqAccordion",{"supertitle":34,"heading":384,"text":385},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[388,398,406,414],{"ID":389,"post_author":35,"post_date":390,"post_date_gmt":391,"post_content":392,"post_title":393,"post_excerpt":34,"post_status":10,"comment_status":373,"ping_status":373,"post_password":34,"post_name":394,"to_ping":34,"pinged":34,"post_modified":395,"post_modified_gmt":396,"post_content_filtered":34,"post_parent":41,"guid":397,"menu_order":41,"post_type":386,"post_mime_type":34,"comment_count":379,"filter":380},4151,"2025-07-16 08:24:44","2025-07-16 12:24:44","In many cases, yes. A consumer proposal allows you to keep your assets and repay only a portion of your debt, with less impact on your credit than bankruptcy. Still weighing your options? Here are the \u003Ca href=\"/blog/pros-and-cons-of-filing-a-consumer-proposal\">pros and cons to consider.\u003C/a> Consumer proposals are regulated under the \u003Ca href=\"https://laws-lois.justice.gc.ca/eng/acts/B-3/\" target=\"_blank\" rel=\"noopener\">Bankruptcy and Insolvency Act\u003C/a> to ensure fairness and legal protection.","Is a consumer proposal better than bankruptcy?","is-a-consumer-proposal-better-than-bankruptcy","2025-07-16 08:24:45","2025-07-16 12:24:45","https://prod-wp.farber.ca/?post_type=faq&p=4151",{"ID":399,"post_author":35,"post_date":400,"post_date_gmt":401,"post_content":402,"post_title":403,"post_excerpt":34,"post_status":10,"comment_status":373,"ping_status":373,"post_password":34,"post_name":404,"to_ping":34,"pinged":34,"post_modified":400,"post_modified_gmt":401,"post_content_filtered":34,"post_parent":41,"guid":405,"menu_order":41,"post_type":386,"post_mime_type":34,"comment_count":379,"filter":380},4152,"2025-07-16 08:25:16","2025-07-16 12:25:16","Yes—though it may take a little time. Once your proposal is officially filed, we notify all creditors that they must stop collection calls and legal actions. While it can take a few weeks for their systems to update, the protection starts right away and we’re here to support you through the process.","Will creditors stop calling after I file?","will-creditors-stop-calling-after-i-file","https://prod-wp.farber.ca/?post_type=faq&p=4152",{"ID":407,"post_author":35,"post_date":408,"post_date_gmt":409,"post_content":410,"post_title":411,"post_excerpt":34,"post_status":10,"comment_status":373,"ping_status":373,"post_password":34,"post_name":412,"to_ping":34,"pinged":34,"post_modified":408,"post_modified_gmt":409,"post_content_filtered":34,"post_parent":41,"guid":413,"menu_order":41,"post_type":386,"post_mime_type":34,"comment_count":379,"filter":380},4153,"2025-07-16 08:25:50","2025-07-16 12:25:50","Yes. CRA tax debt is commonly included and may be significantly reduced.","Can I include tax debt in my consumer proposal?","can-i-include-tax-debt-in-my-consumer-proposal","https://prod-wp.farber.ca/?post_type=faq&p=4153",{"ID":415,"post_author":35,"post_date":416,"post_date_gmt":417,"post_content":418,"post_title":419,"post_excerpt":34,"post_status":10,"comment_status":373,"ping_status":373,"post_password":34,"post_name":420,"to_ping":34,"pinged":34,"post_modified":416,"post_modified_gmt":417,"post_content_filtered":34,"post_parent":41,"guid":421,"menu_order":41,"post_type":386,"post_mime_type":34,"comment_count":379,"filter":380},4154,"2025-07-16 08:26:41","2025-07-16 12:26:41","Most last 3 to 5 years, but there’s flexibility—and no penalties for paying it off early.","How long does a consumer proposal last?","how-long-does-a-consumer-proposal-last-2","https://prod-wp.farber.ca/?post_type=faq&p=4154",{"title":423,"url":424,"target":34},"See more FAQ","/faq","faqs",{"fieldGroupName":427,"heading":428,"text":429,"ctas":430,"anchorId":34,"buttonStyling":455,"colorTheme":456},"CtasBanner","Learn More About Our Alberta Locations","\u003Cp>\u003Cstrong>Find Support Near You\u003C/strong>\u003C/p>\n\u003Cp>We offer in-person and virtual consultations across Alberta to make debt help more accessible—wherever you are.\u003C/p>\n",[431,435,439,443,447,451],{"button":432},{"title":433,"url":434,"target":34},"Calgary","/locations/calgary",{"button":436},{"title":437,"url":438,"target":34},"Edmonton","/locations/edmonton",{"button":440},{"title":441,"url":442,"target":34},"Red Deer","/locations/red-deer",{"button":444},{"title":445,"url":446,"target":34},"Fort McMurray","/locations/fort-mcmurray",{"button":448},{"title":449,"url":450,"target":34},"Grande 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