[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"getPageData-/consumer-proposal/british-columbia-en":3,"getGlobalData-en":440},{"id":4,"slug":5,"title":6,"date":7,"content":8,"uri":9,"status":10,"allFlexBlocks":11,"pageNavigation":12,"seo":14,"liveChat":19,"languageCode":21,"translations":22,"flexBlocks":23},"cG9zdDo0MTU1","british-columbia","Consumer Proposal in British Columbia","2025-07-16T09:29:04",null,"/consumer-proposal/british-columbia/","publish","[{\"fieldGroupName\":\"StandardHeader\",\"heading\":\"Overwhelmed by debt in BC? You\\u2019re not alone-and support is here.\",\"text\":\"A consumer proposal can help you lower your debt, avoid bankruptcy, and keep what matters most. 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15:15:06\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1920,\"height\":1140,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-300x178.png\",\"medium-width\":300,\"medium-height\":178,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-768x456.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":456,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-1024x608.png\",\"large-width\":1024,\"large-height\":608,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-1536x912.png\",\"1536x1536-width\":1536,\"1536x1536-height\":912,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling.png\",\"2048x2048-width\":1920,\"2048x2048-height\":1140,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling.png\",\"gform-image-choice-sm-width\":300,\"gform-image-choice-sm-height\":178,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling.png\",\"gform-image-choice-md-width\":400,\"gform-image-choice-md-height\":238,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling.png\",\"gform-image-choice-lg-width\":600,\"gform-image-choice-lg-height\":356},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling.png\"},\"button\":\"\",\"backgroundColor\":\"bg-gold-lightest\",\"spacing\":[]},{\"fieldGroupName\":\"AnchorLinks\",\"heading\":\"On this page\",\"anchors\":[{\"title\":\"What is a consumer proposal?\",\"anchorId\":\"what-is-a-consumer-proposal\"},{\"title\":\"Benefits\",\"anchorId\":\"benefits\"},{\"title\":\"Eligibility\",\"anchorId\":\"eligibility\"}]},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":2752,\"id\":2752,\"title\":\"Consumer Proposal 1\",\"filename\":\"Consumer-Proposal-1.png\",\"filesize\":236037,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-1.png\",\"link\":\"\\/consumer-proposal\\/consumer-proposal-1\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"consumer-proposal-1\",\"status\":\"inherit\",\"uploadedTo\":225,\"date\":\"2024-06-25 13:38:23\",\"modified\":\"2024-06-25 13:38:23\",\"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-1-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-1-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-1-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-1-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-1.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-1.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-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-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-1.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-1.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"\",\"badgeNumber\":\"\",\"heading\":\"What Is a Consumer Proposal?\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a formal, legally binding debt 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> It allows you to repay only a portion of your unsecured debt through manageable monthly payments \\u2014 without filing for bankruptcy.\u003C\\/p>\\n\u003Cp>This process is administered by a \u003Ca class=\\\"text-teal\\\" href=\\\"\\/why-a-licensed-insolvency-trustee\\/\\\">Licensed Insolvency Trustee (LIT)\u003C\\/a>, like Farber, and once the majority of your creditors accept the terms, it becomes legally binding on all parties.\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"what-is-a-consumer-proposal\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"contentImage\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"left\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"light\"},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":2780,\"id\":2780,\"title\":\"Debt Counselling 2\",\"filename\":\"Debt-Counselling-2.png\",\"filesize\":333992,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"link\":\"\\/debt-counselling\\/debt-counselling-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"debt-counselling-2\",\"status\":\"inherit\",\"uploadedTo\":373,\"date\":\"2024-06-27 14:56:33\",\"modified\":\"2024-06-27 15:15:07\",\"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\\/Debt-Counselling-2-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.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\\/Debt-Counselling-2.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\\/Debt-Counselling-2.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"\",\"badgeNumber\":\"\",\"heading\":\"Benefits of a Consumer Proposal in BC\",\"text\":\"\u003Cp>A consumer proposal can provide lasting debt relief and a fresh start. Key benefits include:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>Reduce your total debt by up to 80%\u003C\\/li>\\n\u003Cli>Stop interest charges, collection calls, wage garnishments, and lawsuits\u003C\\/li>\\n\u003Cli>Keep your home, vehicle, and RRSPs\u003C\\/li>\\n\u003Cli>Make one simplified, affordable monthly payment\u003C\\/li>\\n\u003Cli>Avoid bankruptcy while staying in control of your finances\u003C\\/li>\\n\u003Cli>Gain legal protection from creditors\u003C\\/li>\\n\u003C\\/ul>\\n\",\"button\":{\"title\":\"Explore the pros and cons of filing a consumer 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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\":\"\",\"badgeNumber\":\"\",\"heading\":\"Are You Eligible?\",\"text\":\"\u003Cp>You may qualify if:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>You owe less than $250,000 in unsecured debt (excluding your mortgage)\u003C\\/li>\\n\u003Cli>You\\u2019re unable to pay your debts as they come due\u003C\\/li>\\n\u003Cli>You live in BC or have assets in the province\u003C\\/li>\\n\u003Cli>You have a reliable income to support regular proposal payments\u003C\\/li>\\n\u003C\\/ul>\\n\u003Cp class=\\\"-mb-5\\\">\u003Cem>Keep in mind:\u003C\\/em> A consumer proposal can affect future borrowing decisions like mortgage renewals.\u003C\\/p>\\n\",\"button\":{\"title\":\"Here's what to 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begin with a confidential, no-pressure consultation to review your situation. This is completely free\\u2014with no upfront costs or obligations.\"},{\"icon\":{\"iD\":2725,\"id\":2725,\"title\":\"icons8-document\",\"filename\":\"icons8-document.svg\",\"filesize\":1438,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"link\":\"\\/financial-fit-check\\/icons8-document\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-document\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-06-24 14:59:54\",\"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-document.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.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-document.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-document.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\"},\"text\":\"We create a personalized repayment plan based on your budget and file it with the Office of the Superintendent of Bankruptcy Canada.\"},{\"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\":\"Creditors have 45 days to review and vote. If those holding the majority of your debt agree, the proposal becomes legally binding.\"},{\"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\":\"Make fixed, interest-free payments over up to five years. Once complete, your remaining eligible debt is erased\\u2014giving you a clean financial slate. Plus, you\\u2019ll receive two mandatory counseling sessions to help you manage your finances and stay on track.\"}],\"showArrows\":true,\"anchorId\":\"\"},{\"fieldGroupName\":\"OptionsComparison\",\"introduction\":{\"supertitle\":\"\",\"heading\":\"BC Consumer Proposal vs Bankruptcy\",\"text\":\"\u003Cp>Not sure which is best? Understanding the \u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/cra-bankruptcy-or-consumer-proposal\\/\\\">differences between bankruptcy and a consumer proposal\u003C\\/a> can help you make an informed decision.\u003C\\/p>\\n\u003Cp> \u003C\\/p>\\n\u003Cdiv class=\\\"grid grid-cols-1 md:grid-cols-2 gap-6 mt-10 mb-10\\\">\\n\u003Cdiv class=\\\"text-lg block h-full p-6 md:p-9 rounded-2xl text-teal-darkest font-book bg-teal-lightest\\\">\\n\u003Ch3 class=\\\"text-teal-dark font-light text-2xl md:text-3xl tracking-tight leading-[1.1] md:min-h-[80px] xl:min-h-0 mb-10\\\">Consumer Proposal\u003C\\/h3>\\n\u003Cul class=\\\"space-y-3 text-left\\\">\\n\u003Cli class=\\\"mb-6\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Credit Impact\u003C\\/h4>\\n\u003Cp>R7 rating for 3 years post-completion\u003C\\/li>\\n\u003Cli class=\\\"mb-6\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Asset Protection\u003C\\/h4>\\n\u003Cp>Keep most assets\u003C\\/li>\\n\u003Cli class=\\\"mb-6\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Duration\u003C\\/h4>\\n\u003Cp>Up to 5 years\u003C\\/li>\\n\u003Cli class=\\\"\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Cost\u003C\\/h4>\\n\u003Cp>Fixed, predictable monthly payment\u003C\\/li>\\n\u003C\\/ul>\\n\u003C\\/div>\\n\u003Cdiv class=\\\"text-lg block h-full p-6 md:p-9 rounded-2xl text-teal-darkest font-book bg-teal-lightest\\\">\\n\u003Ch3 class=\\\"text-teal-dark font-light text-2xl md:text-3xl tracking-tight leading-[1.1] md:min-h-[80px] xl:min-h-0 mb-10\\\">Bankruptcy\u003C\\/h3>\\n\u003Cul class=\\\"space-y-3 text-left\\\">\\n\u003Cli class=\\\"mb-6\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Credit Impact\u003C\\/h4>\\n\u003Cp>R9 rating for 6\\u20137 years (1st time)\u003C\\/li>\\n\u003Cli class=\\\"mb-6\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Asset Protection\u003C\\/h4>\\n\u003Cp>May require surrender of assets\u003C\\/li>\\n\u003Cli class=\\\"mb-6\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Duration\u003C\\/h4>\\n\u003Cp>9\\u201321 months (first-time)\u003C\\/li>\\n\u003Cli class=\\\"\\\">\\n\u003Ch4 class=\\\"text-teal-dark text-lg\\\">Cost\u003C\\/h4>\\n\u003Cp>Variable based on income\u003C\\/li>\\n\u003C\\/ul>\\n\u003C\\/div>\\n\u003C\\/div>\\n\"},\"comparisonTable\":false,\"anchorId\":\"\"},{\"fieldGroupName\":\"OptionsCallOut\",\"heading\":\"Not sure if a consumer proposal is right for you?\",\"text\":\"\u003Cp>You may need to seek out \u003Ca class=\\\"text-teal\\\" href=\\\"\\/debt-counselling\\/\\\">debt counselling\u003C\\/a> or \u003Ca class=\\\"text-teal\\\" href=\\\"\\/debt-consolidation\\/\\\">debt consolidation\u003C\\/a> services to help you explore all your debt relief options. These services are offered by credit counselling agencies or financial institutions like a bank.\u003C\\/p>\\n\",\"anchorId\":\"\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Choose Farber in British Columbia?\",\"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\":\"Trusted Since 1979\",\"text\":\"We\\u2019ve supported thousands of people on their journey to debt freedom\\u2014offering trusted, compassionate guidance for over four decades.\"},{\"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\":\"Offices Across BC\",\"text\":\"Whether you prefer meeting in person or virtually, we make it easy to access help from anywhere in the province.\"},{\"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 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Provincial Expertise\",\"text\":\"Our Licensed Insolvency Trustees understand the financial challenges unique to life in BC\\u2014from high housing costs to seasonal income.\"},{\"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\":\"Comprehensive Support\",\"text\":\"From rebuilding credit to planning for a debt-free retirement, we\\u2019re here for more than just the proposal. You\\u2019ll receive personalized advice every step of the way.\"}],\"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\\/6722c9a45d51316b06220fef\",\"stars\":\"5\",\"text\":\"I was talking with Leah Crawford and Amanda Coleman from the BC office. Both were very knowledgeable, helpful and friendly. I'm not very good with technology (computers) They helped me, step by step through the whole process. Thank you to the Farber team for helping me.\\r\\nPeter Vanderwal\",\"name\":\"Peter\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/reviews\\/66618be2c8ae638603399a78\",\"stars\":\"5\",\"text\":\"Jeff from BC was a gentleman and scholar throughout the whole process. Thank you for making me feel I made the best decision.\",\"name\":\"Wayne F.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/reviews\\/5fbeb5105e693f08f00a60e3\",\"stars\":\"5\",\"text\":\"When the world was struck down with COVID-19 I lost my work my job my career 23 years gone in a blink of an eye. The British Columbia government put a lock down on the citizens of BC. I knew I was losing control of my financial situation and I was hooked up with Farber. They did a awesome job on lowering my debt. I would recommend Farber to anyone who needs financial help.\",\"name\":\"Danny K.\"}],\"showTrustpilotSummaryLink\":true,\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"bottom-padding\"]},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":3295,\"id\":3295,\"title\":\"Bankruptcy 2\",\"filename\":\"Bankruptcy-2.png\",\"filesize\":259438,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"link\":\"\\/debt-consolidation\\/bankruptcy-2-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"bankruptcy-2-2\",\"status\":\"inherit\",\"uploadedTo\":459,\"date\":\"2024-07-17 16:16:07\",\"modified\":\"2024-07-17 16:16:07\",\"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\\/07\\/Bankruptcy-2-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.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\\/07\\/Bankruptcy-2.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\\/07\\/Bankruptcy-2.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"\",\"badgeNumber\":\"\",\"heading\":\"Not sure if a consumer proposal is right for you?\",\"text\":\"\u003Cp>\u003Cspan data-olk-copy-source=\\\"MessageBody\\\">We\\u2019ll walk you through all available options\\u2014including \u003Ca class=\\\"underline\\\" href=\\\"\\/bankruptcy\\/\\\">bankruptcy \u003C\\/a>and consumer proposals\\u2014to help you choose the best solution for your situation. Both options include mandatory \u003Ca class=\\\"underline\\\" href=\\\"\\/debt-counselling\\/\\\">credit counselling\u003C\\/a> to support your financial recovery.\u003C\\/span>\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-dark\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"imageContent\"},\"textAlignment\":{\"desktop\":\"center\",\"mobile\":\"center\"},\"bodyTextSize\":\"large\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"light\"},{\"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\":4156,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:25:18\",\"post_date_gmt\":\"2025-07-16 13:25:18\",\"post_content\":\"You can include most unsecured debts\\u2014like \u003Ca href=\\\"\\/blog\\/credit-card-consumer-proposal\\\">credit cards\u003C\\/a>, payday loans, lines of credit, and CRA tax debt. Secured debts, such as your mortgage or car loan, are not included if you want to keep those assets.\",\"post_title\":\"Can I include all types of debt in a consumer proposal?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-include-all-types-of-debt-in-a-consumer-proposal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:25:18\",\"post_modified_gmt\":\"2025-07-16 13:25:18\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4156\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4157,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:25:59\",\"post_date_gmt\":\"2025-07-16 13:25:59\",\"post_content\":\"Your consumer proposal will only affect your spouse or partner if the debts are joint. If that\\u2019s the case, don\\u2019t worry\\u2014we\\u2019ll discuss the potential impact on both of you before you make any decisions, ensuring you fully understand your options.\",\"post_title\":\"Will this affect my spouse or partner?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-this-affect-my-spouse-or-partner\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:25:59\",\"post_modified_gmt\":\"2025-07-16 13:25:59\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4157\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4158,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:26:36\",\"post_date_gmt\":\"2025-07-16 13:26:36\",\"post_content\":\"No. You\\u2019ll need to surrender all credit cards when you file\\u2014but you can begin rebuilding credit during and after your proposal.\",\"post_title\":\"Can I keep my credit card during a consumer proposal?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-keep-my-credit-card-during-a-consumer-proposal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:26:36\",\"post_modified_gmt\":\"2025-07-16 13:26:36\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4158\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4159,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:28:19\",\"post_date_gmt\":\"2025-07-16 13:28:19\",\"post_content\":\"Missing three payments can lead to your \u003Ca href=\\\"\\/blog\\/annulled-consumer-proposal\\\">proposal being annulled\u003C\\/a>, which means creditors can resume collection. If you're struggling, contact us right away\\u2014we\\u2019ll work with you to find a solution.\",\"post_title\":\"What happens if I miss a payment?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-happens-if-i-miss-a-payment\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:28:19\",\"post_modified_gmt\":\"2025-07-16 13:28:19\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4159\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4160,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:28:54\",\"post_date_gmt\":\"2025-07-16 13:28:54\",\"post_content\":\"Yes. Many people qualify for secured credit cards or credit-builder loans during the proposal. Responsible credit use can help you recover faster.\",\"post_title\":\"Will I ever be able to borrow money again?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-i-ever-be-able-to-borrow-money-again\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:28:54\",\"post_modified_gmt\":\"2025-07-16 13:28:54\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4160\",\"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 British Columbia Locations\",\"text\":\"\u003Cp>We support clients throughout BC with both in-person and virtual appointments.\u003C\\/p>\\n\u003Cp>Some of the locations we serve include:\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"Vancouver\",\"url\":\"\\/locations\\/vancouver\",\"target\":\"\"}},{\"button\":{\"title\":\"Prince George\",\"url\":\"\\/locations\\/prince-george\",\"target\":\"\"}},{\"button\":{\"title\":\"Nanaimo\",\"url\":\"\\/locations\\/nanaimo\",\"target\":\"\"}},{\"button\":{\"title\":\"Kamloops\",\"url\":\"\\/locations\\/kamloops\",\"target\":\"\"}},{\"button\":{\"title\":\"Surrey\",\"url\":\"\\/locations\\/surrey\",\"target\":\"\"}},{\"button\":{\"title\":\"Victoria\",\"url\":\"\\/locations\\/victoria\",\"target\":\"\"}},{\"button\":{\"title\":\"Kelowna\",\"url\":\"\\/locations\\/kelowna\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"\",\"text\":\"\",\"list\":false,\"button\":{\"title\":\"View all BC office locations\",\"url\":\"\\/locations\",\"target\":\"\"},\"backgroundColor\":\"bg-teal-dark\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"}]",{"pageNavigation":13},"default",{"title":15,"fullHead":16,"metaRobotsNoindex":17,"metaRobotsNofollow":18},"Consumer Proposal British Columbia","\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 BC with a consumer proposal. Avoid bankruptcy and regain control with Farber's expert help.\" />\n\u003Clink rel=\"canonical\" href=\"/consumer-proposal/british-columbia/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Consumer Proposal British Columbia\" />\n\u003Cmeta property=\"og:description\" content=\"Reduce your debt in BC with a consumer proposal. 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You’re not alone-and support is here.","A consumer proposal can help you lower your debt, avoid bankruptcy, and keep what matters most. At Farber, our Licensed Insolvency Trustees offer judgment-free support and personalized solutions that work for British Columbians.",{"iD":29,"id":29,"title":30,"filename":31,"filesize":32,"url":33,"link":34,"alt":35,"author":36,"description":35,"caption":35,"name":37,"status":38,"uploadedTo":39,"date":40,"modified":41,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":47,"height":48,"sizes":49,"relativeUrl":68},2790,"Debt Counselling","Debt-Counselling.png",661949,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling.png","/debt-counselling/debt-counselling-3/","","6","debt-counselling-3","inherit",373,"2024-06-27 14:57:04","2024-06-27 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this page",[75,78,81],{"title":76,"anchorId":77},"What is a consumer proposal?","what-is-a-consumer-proposal",{"title":79,"anchorId":80},"Benefits","benefits",{"title":82,"anchorId":83},"Eligibility","eligibility",{"fieldGroupName":85,"image":86,"supertitleStyling":108,"supertitle":35,"badgeNumber":35,"heading":109,"text":110,"button":35,"anchorId":77,"backgroundColor":111,"imageContainer":112,"imageSize":113,"layout":114,"textAlignment":117,"bodyTextSize":119,"showArrowBelow":120,"spacing":121,"buttonStyling":122},"ImageTextBanner",{"iD":87,"id":87,"title":88,"filename":89,"filesize":90,"url":91,"link":92,"alt":35,"author":36,"description":35,"caption":35,"name":93,"status":38,"uploadedTo":94,"date":95,"modified":95,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":96,"sizes":97,"relativeUrl":107},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",225,"2024-06-25 13:38:23",1074,{"thumbnail":98,"thumbnail-width":51,"thumbnail-height":51,"medium":99,"medium-width":100,"medium-height":53,"mediumLarge":101,"mediumLarge-width":56,"mediumLarge-height":102,"large":103,"large-width":104,"large-height":59,"1536x1536":91,"1536x1536-width":59,"1536x1536-height":96,"2048x2048":91,"2048x2048-width":59,"2048x2048-height":96,"gform-image-choice-sm":91,"gform-image-choice-sm-width":100,"gform-image-choice-sm-height":53,"gform-image-choice-md":91,"gform-image-choice-md-width":105,"gform-image-choice-md-height":64,"gform-image-choice-lg":91,"gform-image-choice-lg-width":106,"gform-image-choice-lg-height":66},"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","What Is a Consumer Proposal?","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a formal, legally binding debt 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> It allows you to repay only a portion of your unsecured debt through manageable monthly payments — without filing for bankruptcy.\u003C/p>\n\u003Cp>This process is administered by a \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustee (LIT)\u003C/a>, like Farber, and once the majority of your creditors accept the terms, it becomes legally binding on all parties.\u003C/p>\n","bg-white","contained","4/12",{"desktop":115,"mobile":116},"imageContent","contentImage",{"desktop":118,"mobile":118},"left","base",false,[],"light",{"fieldGroupName":85,"image":124,"supertitleStyling":108,"supertitle":35,"badgeNumber":35,"heading":140,"text":141,"button":142,"anchorId":80,"backgroundColor":111,"imageContainer":112,"imageSize":113,"layout":145,"textAlignment":146,"bodyTextSize":119,"showArrowBelow":120,"spacing":147,"buttonStyling":148},{"iD":125,"id":125,"title":126,"filename":127,"filesize":128,"url":129,"link":130,"alt":35,"author":36,"description":35,"caption":35,"name":131,"status":38,"uploadedTo":39,"date":132,"modified":133,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":96,"sizes":134,"relativeUrl":139},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","2024-06-27 14:56:33","2024-06-27 15:15:07",{"thumbnail":135,"thumbnail-width":51,"thumbnail-height":51,"medium":136,"medium-width":100,"medium-height":53,"mediumLarge":137,"mediumLarge-width":56,"mediumLarge-height":102,"large":138,"large-width":104,"large-height":59,"1536x1536":129,"1536x1536-width":59,"1536x1536-height":96,"2048x2048":129,"2048x2048-width":59,"2048x2048-height":96,"gform-image-choice-sm":129,"gform-image-choice-sm-width":100,"gform-image-choice-sm-height":53,"gform-image-choice-md":129,"gform-image-choice-md-width":105,"gform-image-choice-md-height":64,"gform-image-choice-lg":129,"gform-image-choice-lg-width":106,"gform-image-choice-lg-height":66},"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","Benefits of a Consumer Proposal in BC","\u003Cp>A consumer proposal can provide lasting debt relief and a fresh start. Key benefits include:\u003C/p>\n\u003Cul>\n\u003Cli>Reduce your total debt by up to 80%\u003C/li>\n\u003Cli>Stop interest charges, collection calls, wage garnishments, and lawsuits\u003C/li>\n\u003Cli>Keep your home, vehicle, and RRSPs\u003C/li>\n\u003Cli>Make one simplified, affordable monthly payment\u003C/li>\n\u003Cli>Avoid bankruptcy while staying in control of your finances\u003C/li>\n\u003Cli>Gain legal protection from creditors\u003C/li>\n\u003C/ul>\n",{"title":143,"url":144,"target":35},"Explore the pros and cons of filing a consumer proposal","/blog/pros-and-cons-of-filing-a-consumer-proposal",{"desktop":116,"mobile":116},{"desktop":118,"mobile":118},[],"dark",{"fieldGroupName":85,"image":150,"supertitleStyling":108,"supertitle":35,"badgeNumber":35,"heading":165,"text":166,"button":167,"anchorId":83,"backgroundColor":69,"imageContainer":112,"imageSize":113,"layout":170,"textAlignment":171,"bodyTextSize":119,"showArrowBelow":120,"spacing":173,"buttonStyling":148},{"iD":151,"id":151,"title":152,"filename":153,"filesize":154,"url":155,"link":156,"alt":35,"author":36,"description":35,"caption":35,"name":157,"status":38,"uploadedTo":94,"date":158,"modified":158,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":96,"sizes":159,"relativeUrl":164},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":160,"thumbnail-width":51,"thumbnail-height":51,"medium":161,"medium-width":100,"medium-height":53,"mediumLarge":162,"mediumLarge-width":56,"mediumLarge-height":102,"large":163,"large-width":104,"large-height":59,"1536x1536":155,"1536x1536-width":59,"1536x1536-height":96,"2048x2048":155,"2048x2048-width":59,"2048x2048-height":96,"gform-image-choice-sm":155,"gform-image-choice-sm-width":100,"gform-image-choice-sm-height":53,"gform-image-choice-md":155,"gform-image-choice-md-width":105,"gform-image-choice-md-height":64,"gform-image-choice-lg":155,"gform-image-choice-lg-width":106,"gform-image-choice-lg-height":66},"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","Are You Eligible?","\u003Cp>You may qualify if:\u003C/p>\n\u003Cul>\n\u003Cli>You owe less than $250,000 in unsecured debt (excluding your mortgage)\u003C/li>\n\u003Cli>You’re unable to pay your debts as they come due\u003C/li>\n\u003Cli>You live in BC or have assets in the province\u003C/li>\n\u003Cli>You have a reliable income to support regular proposal payments\u003C/li>\n\u003C/ul>\n\u003Cp class=\"-mb-5\">\u003Cem>Keep in mind:\u003C/em> A consumer proposal can affect future borrowing decisions like mortgage renewals.\u003C/p>\n",{"title":168,"url":169,"target":35},"Here's what to know","/blog/how-a-consumer-proposal-can-impact-mortgage-renewal",{"desktop":115,"mobile":115},{"desktop":118,"mobile":172},"center",[],{"fieldGroupName":175,"introduction":176,"steps":182,"showArrows":20,"anchorId":35},"Steps",{"supertitle":177,"heading":178,"button":179},"Step-by-Step","The Consumer Proposal Process",{"title":180,"url":181,"target":35},"Book a FREE consultation","/book-a-consultation",[183,200,214,226],{"icon":184,"text":199},{"iD":185,"id":185,"title":186,"filename":187,"filesize":188,"url":189,"link":190,"alt":35,"author":36,"description":35,"caption":35,"name":186,"status":38,"uploadedTo":191,"date":192,"modified":193,"menuOrder":42,"mimeType":194,"type":44,"subtype":195,"icon":46,"width":196,"height":196,"sizes":197,"relativeUrl":198},2721,"icons8-connected-people","icons8-connected-people.svg",2023,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-connected-people.svg","/?attachment_id=2721",348,"2024-06-24 14:59:50","2024-06-24 16:54:55","image/svg+xml","svg+xml",96,{"thumbnail":189,"thumbnail-width":51,"thumbnail-height":51,"medium":189,"medium-width":53,"medium-height":53,"mediumLarge":189,"mediumLarge-width":56,"mediumLarge-height":56,"large":189,"large-width":59,"large-height":59,"1536x1536":189,"1536x1536-width":196,"1536x1536-height":196,"2048x2048":189,"2048x2048-width":196,"2048x2048-height":196,"gform-image-choice-sm":189,"gform-image-choice-sm-width":196,"gform-image-choice-sm-height":196,"gform-image-choice-md":189,"gform-image-choice-md-width":196,"gform-image-choice-md-height":196,"gform-image-choice-lg":189,"gform-image-choice-lg-width":196,"gform-image-choice-lg-height":196},"/wp-content/uploads/2024/06/icons8-connected-people.svg","We begin with a confidential, no-pressure consultation to review your situation. This is completely free—with no upfront costs or obligations.",{"icon":201,"text":213},{"iD":202,"id":202,"title":203,"filename":204,"filesize":205,"url":206,"link":207,"alt":35,"author":36,"description":35,"caption":35,"name":203,"status":38,"uploadedTo":208,"date":209,"modified":210,"menuOrder":42,"mimeType":194,"type":44,"subtype":195,"icon":46,"width":196,"height":196,"sizes":211,"relativeUrl":212},2725,"icons8-document","icons8-document.svg",1438,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-document.svg","/financial-fit-check/icons8-document/",353,"2024-06-24 14:59:54","2024-07-02 22:15:52",{"thumbnail":206,"thumbnail-width":51,"thumbnail-height":51,"medium":206,"medium-width":53,"medium-height":53,"mediumLarge":206,"mediumLarge-width":56,"mediumLarge-height":56,"large":206,"large-width":59,"large-height":59,"1536x1536":206,"1536x1536-width":196,"1536x1536-height":196,"2048x2048":206,"2048x2048-width":196,"2048x2048-height":196,"gform-image-choice-sm":206,"gform-image-choice-sm-width":196,"gform-image-choice-sm-height":196,"gform-image-choice-md":206,"gform-image-choice-md-width":196,"gform-image-choice-md-height":196,"gform-image-choice-lg":206,"gform-image-choice-lg-width":196,"gform-image-choice-lg-height":196},"/wp-content/uploads/2024/06/icons8-document.svg","We create a personalized repayment plan based on your budget and file it with the Office of the Superintendent of Bankruptcy Canada.",{"icon":215,"text":225},{"iD":216,"id":216,"title":217,"filename":218,"filesize":219,"url":220,"link":221,"alt":35,"author":36,"description":35,"caption":35,"name":217,"status":38,"uploadedTo":208,"date":222,"modified":210,"menuOrder":42,"mimeType":194,"type":44,"subtype":195,"icon":46,"width":196,"height":196,"sizes":223,"relativeUrl":224},2740,"icons8-schedule","icons8-schedule.svg",2590,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-schedule.svg","/financial-fit-check/icons8-schedule/","2024-06-24 15:00:15",{"thumbnail":220,"thumbnail-width":51,"thumbnail-height":51,"medium":220,"medium-width":53,"medium-height":53,"mediumLarge":220,"mediumLarge-width":56,"mediumLarge-height":56,"large":220,"large-width":59,"large-height":59,"1536x1536":220,"1536x1536-width":196,"1536x1536-height":196,"2048x2048":220,"2048x2048-width":196,"2048x2048-height":196,"gform-image-choice-sm":220,"gform-image-choice-sm-width":196,"gform-image-choice-sm-height":196,"gform-image-choice-md":220,"gform-image-choice-md-width":196,"gform-image-choice-md-height":196,"gform-image-choice-lg":220,"gform-image-choice-lg-width":196,"gform-image-choice-lg-height":196},"/wp-content/uploads/2024/06/icons8-schedule.svg","Creditors have 45 days to review and vote. If those holding the majority of your debt agree, the proposal becomes legally binding.",{"icon":227,"text":239},{"iD":228,"id":228,"title":229,"filename":230,"filesize":231,"url":232,"link":233,"alt":35,"author":36,"description":35,"caption":35,"name":229,"status":38,"uploadedTo":234,"date":235,"modified":236,"menuOrder":42,"mimeType":194,"type":44,"subtype":195,"icon":46,"width":196,"height":196,"sizes":237,"relativeUrl":238},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":232,"thumbnail-width":51,"thumbnail-height":51,"medium":232,"medium-width":53,"medium-height":53,"mediumLarge":232,"mediumLarge-width":56,"mediumLarge-height":56,"large":232,"large-width":59,"large-height":59,"1536x1536":232,"1536x1536-width":196,"1536x1536-height":196,"2048x2048":232,"2048x2048-width":196,"2048x2048-height":196,"gform-image-choice-sm":232,"gform-image-choice-sm-width":196,"gform-image-choice-sm-height":196,"gform-image-choice-md":232,"gform-image-choice-md-width":196,"gform-image-choice-md-height":196,"gform-image-choice-lg":232,"gform-image-choice-lg-width":196,"gform-image-choice-lg-height":196},"/wp-content/uploads/2024/06/icons8-card-payment.svg","Make fixed, interest-free payments over up to five years. Once complete, your remaining eligible debt is erased—giving you a clean financial slate. Plus, you’ll receive two mandatory counseling sessions to help you manage your finances and stay on track.",{"fieldGroupName":241,"introduction":242,"comparisonTable":120,"anchorId":35},"OptionsComparison",{"supertitle":35,"heading":243,"text":244},"BC Consumer Proposal vs Bankruptcy","\u003Cp>Not sure which is best? Understanding the \u003Ca class=\"text-teal\" href=\"/blog/cra-bankruptcy-or-consumer-proposal/\">differences between bankruptcy and a consumer proposal\u003C/a> can help you make an informed decision.\u003C/p>\n\u003Cp> \u003C/p>\n\u003Cdiv class=\"grid grid-cols-1 md:grid-cols-2 gap-6 mt-10 mb-10\">\n\u003Cdiv class=\"text-lg block h-full p-6 md:p-9 rounded-2xl text-teal-darkest font-book bg-teal-lightest\">\n\u003Ch3 class=\"text-teal-dark font-light text-2xl md:text-3xl tracking-tight leading-[1.1] md:min-h-[80px] xl:min-h-0 mb-10\">Consumer Proposal\u003C/h3>\n\u003Cul class=\"space-y-3 text-left\">\n\u003Cli class=\"mb-6\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Credit Impact\u003C/h4>\n\u003Cp>R7 rating for 3 years post-completion\u003C/li>\n\u003Cli class=\"mb-6\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Asset Protection\u003C/h4>\n\u003Cp>Keep most assets\u003C/li>\n\u003Cli class=\"mb-6\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Duration\u003C/h4>\n\u003Cp>Up to 5 years\u003C/li>\n\u003Cli class=\"\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Cost\u003C/h4>\n\u003Cp>Fixed, predictable monthly payment\u003C/li>\n\u003C/ul>\n\u003C/div>\n\u003Cdiv class=\"text-lg block h-full p-6 md:p-9 rounded-2xl text-teal-darkest font-book bg-teal-lightest\">\n\u003Ch3 class=\"text-teal-dark font-light text-2xl md:text-3xl tracking-tight leading-[1.1] md:min-h-[80px] xl:min-h-0 mb-10\">Bankruptcy\u003C/h3>\n\u003Cul class=\"space-y-3 text-left\">\n\u003Cli class=\"mb-6\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Credit Impact\u003C/h4>\n\u003Cp>R9 rating for 6–7 years (1st time)\u003C/li>\n\u003Cli class=\"mb-6\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Asset Protection\u003C/h4>\n\u003Cp>May require surrender of assets\u003C/li>\n\u003Cli class=\"mb-6\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Duration\u003C/h4>\n\u003Cp>9–21 months (first-time)\u003C/li>\n\u003Cli class=\"\">\n\u003Ch4 class=\"text-teal-dark text-lg\">Cost\u003C/h4>\n\u003Cp>Variable based on income\u003C/li>\n\u003C/ul>\n\u003C/div>\n\u003C/div>\n",{"fieldGroupName":246,"heading":247,"text":248,"anchorId":35},"OptionsCallOut","Not sure if a consumer proposal is right for you?","\u003Cp>You may need to seek out \u003Ca class=\"text-teal\" href=\"/debt-counselling/\">debt counselling\u003C/a> or \u003Ca class=\"text-teal\" href=\"/debt-consolidation/\">debt consolidation\u003C/a> services to help you explore all your debt relief options. These services are offered by credit counselling agencies or financial institutions like a bank.\u003C/p>\n",{"fieldGroupName":250,"supertitle":35,"heading":251,"introText":35,"icons":252,"outroText":35,"button":35,"anchorId":35,"backgroundColor":282,"padding":283,"iconSize":286,"iconAlignment":287},"IconGrid","Why Choose Farber in British Columbia?",[253,267,272,277],{"icon":254,"heading":265,"text":266},{"iD":255,"id":255,"title":256,"filename":257,"filesize":258,"url":259,"link":260,"alt":35,"author":36,"description":35,"caption":35,"name":256,"status":38,"uploadedTo":208,"date":261,"modified":261,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":262,"height":262,"sizes":263,"relativeUrl":264},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":259,"thumbnail-width":262,"thumbnail-height":262,"medium":259,"medium-width":262,"medium-height":262,"mediumLarge":259,"mediumLarge-width":262,"mediumLarge-height":262,"large":259,"large-width":262,"large-height":262,"1536x1536":259,"1536x1536-width":262,"1536x1536-height":262,"2048x2048":259,"2048x2048-width":262,"2048x2048-height":262,"gform-image-choice-sm":259,"gform-image-choice-sm-width":262,"gform-image-choice-sm-height":262,"gform-image-choice-md":259,"gform-image-choice-md-width":262,"gform-image-choice-md-height":262,"gform-image-choice-lg":259,"gform-image-choice-lg-width":262,"gform-image-choice-lg-height":262},"/wp-content/uploads/2024/07/check-circle.png","Trusted Since 1979","We’ve supported thousands of people on their journey to debt freedom—offering trusted, compassionate guidance for over four decades.",{"icon":268,"heading":270,"text":271},{"iD":255,"id":255,"title":256,"filename":257,"filesize":258,"url":259,"link":260,"alt":35,"author":36,"description":35,"caption":35,"name":256,"status":38,"uploadedTo":208,"date":261,"modified":261,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":262,"height":262,"sizes":269,"relativeUrl":264},{"thumbnail":259,"thumbnail-width":262,"thumbnail-height":262,"medium":259,"medium-width":262,"medium-height":262,"mediumLarge":259,"mediumLarge-width":262,"mediumLarge-height":262,"large":259,"large-width":262,"large-height":262,"1536x1536":259,"1536x1536-width":262,"1536x1536-height":262,"2048x2048":259,"2048x2048-width":262,"2048x2048-height":262,"gform-image-choice-sm":259,"gform-image-choice-sm-width":262,"gform-image-choice-sm-height":262,"gform-image-choice-md":259,"gform-image-choice-md-width":262,"gform-image-choice-md-height":262,"gform-image-choice-lg":259,"gform-image-choice-lg-width":262,"gform-image-choice-lg-height":262},"Offices Across BC","Whether you prefer meeting in person or virtually, we make it easy to access help from anywhere in the province.",{"icon":273,"heading":275,"text":276},{"iD":255,"id":255,"title":256,"filename":257,"filesize":258,"url":259,"link":260,"alt":35,"author":36,"description":35,"caption":35,"name":256,"status":38,"uploadedTo":208,"date":261,"modified":261,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":262,"height":262,"sizes":274,"relativeUrl":264},{"thumbnail":259,"thumbnail-width":262,"thumbnail-height":262,"medium":259,"medium-width":262,"medium-height":262,"mediumLarge":259,"mediumLarge-width":262,"mediumLarge-height":262,"large":259,"large-width":262,"large-height":262,"1536x1536":259,"1536x1536-width":262,"1536x1536-height":262,"2048x2048":259,"2048x2048-width":262,"2048x2048-height":262,"gform-image-choice-sm":259,"gform-image-choice-sm-width":262,"gform-image-choice-sm-height":262,"gform-image-choice-md":259,"gform-image-choice-md-width":262,"gform-image-choice-md-height":262,"gform-image-choice-lg":259,"gform-image-choice-lg-width":262,"gform-image-choice-lg-height":262},"Deep Provincial Expertise","Our Licensed Insolvency Trustees understand the financial challenges unique to life in BC—from high housing costs to seasonal income.",{"icon":278,"heading":280,"text":281},{"iD":255,"id":255,"title":256,"filename":257,"filesize":258,"url":259,"link":260,"alt":35,"author":36,"description":35,"caption":35,"name":256,"status":38,"uploadedTo":208,"date":261,"modified":261,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":262,"height":262,"sizes":279,"relativeUrl":264},{"thumbnail":259,"thumbnail-width":262,"thumbnail-height":262,"medium":259,"medium-width":262,"medium-height":262,"mediumLarge":259,"mediumLarge-width":262,"mediumLarge-height":262,"large":259,"large-width":262,"large-height":262,"1536x1536":259,"1536x1536-width":262,"1536x1536-height":262,"2048x2048":259,"2048x2048-width":262,"2048x2048-height":262,"gform-image-choice-sm":259,"gform-image-choice-sm-width":262,"gform-image-choice-sm-height":262,"gform-image-choice-md":259,"gform-image-choice-md-width":262,"gform-image-choice-md-height":262,"gform-image-choice-lg":259,"gform-image-choice-lg-width":262,"gform-image-choice-lg-height":262},"Comprehensive Support","From rebuilding credit to planning for a debt-free retirement, we’re here for more than just the proposal. You’ll receive personalized advice every step of the way.","bg-teal-lightest",[284,285],"top-padding","bottom-padding","48","top",{"fieldGroupName":289,"reviews":290,"showTrustpilotSummaryLink":20,"anchorId":35,"backgroundColor":282,"padding":304},"ReviewSliderManualEntry",[291,296,300],{"url":292,"stars":293,"text":294,"name":295},"https://ca.trustpilot.com/reviews/6722c9a45d51316b06220fef","5","I was talking with Leah Crawford and Amanda Coleman from the BC office. Both were very knowledgeable, helpful and friendly. I'm not very good with technology (computers) They helped me, step by step through the whole process. Thank you to the Farber team for helping me.\r\nPeter Vanderwal","Peter",{"url":297,"stars":293,"text":298,"name":299},"https://ca.trustpilot.com/reviews/66618be2c8ae638603399a78","Jeff from BC was a gentleman and scholar throughout the whole process. Thank you for making me feel I made the best decision.","Wayne F.",{"url":301,"stars":293,"text":302,"name":303},"https://ca.trustpilot.com/reviews/5fbeb5105e693f08f00a60e3","When the world was struck down with COVID-19 I lost my work my job my career 23 years gone in a blink of an eye. The British Columbia government put a lock down on the citizens of BC. I knew I was losing control of my financial situation and I was hooked up with Farber. They did a awesome job on lowering my debt. I would recommend Farber to anyone who needs financial help.","Danny K.",[285],{"fieldGroupName":85,"image":306,"supertitleStyling":108,"supertitle":35,"badgeNumber":35,"heading":247,"text":322,"button":35,"anchorId":35,"backgroundColor":323,"imageContainer":112,"imageSize":113,"layout":324,"textAlignment":325,"bodyTextSize":326,"showArrowBelow":120,"spacing":327,"buttonStyling":122},{"iD":307,"id":307,"title":308,"filename":309,"filesize":310,"url":311,"link":312,"alt":35,"author":36,"description":35,"caption":35,"name":313,"status":38,"uploadedTo":314,"date":315,"modified":315,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":96,"sizes":316,"relativeUrl":321},3295,"Bankruptcy 2","Bankruptcy-2.png",259438,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2.png","/debt-consolidation/bankruptcy-2-2/","bankruptcy-2-2",459,"2024-07-17 16:16:07",{"thumbnail":317,"thumbnail-width":51,"thumbnail-height":51,"medium":318,"medium-width":100,"medium-height":53,"mediumLarge":319,"mediumLarge-width":56,"mediumLarge-height":102,"large":320,"large-width":104,"large-height":59,"1536x1536":311,"1536x1536-width":59,"1536x1536-height":96,"2048x2048":311,"2048x2048-width":59,"2048x2048-height":96,"gform-image-choice-sm":311,"gform-image-choice-sm-width":100,"gform-image-choice-sm-height":53,"gform-image-choice-md":311,"gform-image-choice-md-width":105,"gform-image-choice-md-height":64,"gform-image-choice-lg":311,"gform-image-choice-lg-width":106,"gform-image-choice-lg-height":66},"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-976x1024.png","/wp-content/uploads/2024/07/Bankruptcy-2.png","\u003Cp>\u003Cspan data-olk-copy-source=\"MessageBody\">We’ll walk you through all available options—including \u003Ca class=\"underline\" href=\"/bankruptcy/\">bankruptcy \u003C/a>and consumer proposals—to help you choose the best solution for your situation. Both options include mandatory \u003Ca class=\"underline\" href=\"/debt-counselling/\">credit counselling\u003C/a> to support your financial recovery.\u003C/span>\u003C/p>\n","bg-teal-dark",{"desktop":115,"mobile":115},{"desktop":172,"mobile":172},"large",[],{"fieldGroupName":329,"anchorId":35,"layout":330,"form":331,"heading":35,"content":35,"hideContentOnMobile":120,"backgroundColor":111},"FormEmbed","1-col",{"ID":332,"post_author":36,"post_date":333,"post_date_gmt":334,"post_content":335,"post_title":336,"post_excerpt":35,"post_status":10,"comment_status":337,"ping_status":337,"post_password":35,"post_name":338,"to_ping":35,"pinged":35,"post_modified":339,"post_modified_gmt":340,"post_content_filtered":35,"post_parent":42,"guid":341,"menu_order":42,"post_type":342,"post_mime_type":35,"comment_count":343,"filter":344},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":346,"introduction":347,"type":350,"accordions":120,"faqs":351,"button":392,"enableSeoSchema":20,"anchorId":395},"FaqAccordion",{"supertitle":35,"heading":348,"text":349},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[352,360,368,376,384],{"ID":353,"post_author":36,"post_date":354,"post_date_gmt":355,"post_content":356,"post_title":357,"post_excerpt":35,"post_status":10,"comment_status":337,"ping_status":337,"post_password":35,"post_name":358,"to_ping":35,"pinged":35,"post_modified":354,"post_modified_gmt":355,"post_content_filtered":35,"post_parent":42,"guid":359,"menu_order":42,"post_type":350,"post_mime_type":35,"comment_count":343,"filter":344},4156,"2025-07-16 09:25:18","2025-07-16 13:25:18","You can include most unsecured debts—like \u003Ca href=\"/blog/credit-card-consumer-proposal\">credit cards\u003C/a>, payday loans, lines of credit, and CRA tax debt. Secured debts, such as your mortgage or car loan, are not included if you want to keep those assets.","Can I include all types of debt in a consumer proposal?","can-i-include-all-types-of-debt-in-a-consumer-proposal","https://prod-wp.farber.ca/?post_type=faq&p=4156",{"ID":361,"post_author":36,"post_date":362,"post_date_gmt":363,"post_content":364,"post_title":365,"post_excerpt":35,"post_status":10,"comment_status":337,"ping_status":337,"post_password":35,"post_name":366,"to_ping":35,"pinged":35,"post_modified":362,"post_modified_gmt":363,"post_content_filtered":35,"post_parent":42,"guid":367,"menu_order":42,"post_type":350,"post_mime_type":35,"comment_count":343,"filter":344},4157,"2025-07-16 09:25:59","2025-07-16 13:25:59","Your consumer proposal will only affect your spouse or partner if the debts are joint. 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