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is a consumer proposal?\",\"badgeNumber\":\"\",\"heading\":\"A Legally Backed Debt Settlement Solution\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a formal, legally recognized process that allows you to repay a portion of your unsecured debts, based on what you can realistically afford. 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Once filed, the proposal becomes legally binding, offering you immediate protection and a clear path to a debt-free future.\u003C\\/p>\\n\u003Cp>Here\\u2019s how we help you:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>Filing your proposal with the federal government\u003C\\/li>\\n\u003Cli>Negotiating with creditors on your behalf\u003C\\/li>\\n\u003Cli>Setting up one simplified monthly payment\u003C\\/li>\\n\u003Cli>Stopping creditor calls, wage garnishments, and other collection actions\u003C\\/li>\\n\u003C\\/ul>\\n\",\"button\":\"\",\"anchorId\":\"getting-started\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"contentImage\",\"mobile\":\"contentImage\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"left\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"dark\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Benefits of a Consumer Proposal in Manitoba\",\"introText\":\"\",\"icons\":[{\"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\":\"Avoid Bankruptcy\",\"text\":\"A consumer proposal is a less disruptive, more manageable alternative to bankruptcy. It helps reduce your debt while protecting your financial future.\"},{\"icon\":{\"iD\":2741,\"id\":2741,\"title\":\"icons8-money-box\",\"filename\":\"icons8-money-box.svg\",\"filesize\":2898,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"link\":\"\\/what-you-need-to-know\\/icons8-money-box\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-money-box\",\"status\":\"inherit\",\"uploadedTo\":377,\"date\":\"2024-06-24 15:00:16\",\"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-money-box.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.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-money-box.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-money-box.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\"},\"heading\":\"Keep Your Assets\",\"text\":\"Most people keep important assets like their home, vehicle, and RRSPs when they file a consumer proposal.\"},{\"icon\":{\"iD\":2729,\"id\":2729,\"title\":\"icons8-cash-in-hand\",\"filename\":\"icons8-cash-in-hand.svg\",\"filesize\":2344,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"link\":\"\\/bankruptcy\\/icons8-cash-in-hand\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-cash-in-hand\",\"status\":\"inherit\",\"uploadedTo\":457,\"date\":\"2024-06-24 14:59:57\",\"modified\":\"2024-06-24 17:16:09\",\"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\\/06\\/icons8-cash-in-hand.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.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-cash-in-hand.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-cash-in-hand.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\"},\"heading\":\"One Affordable Monthly Payment\",\"text\":\"We\\u2019ll consolidate your debts into one fixed monthly payment \\u2014 with no added interest \\u2014 based on what you can reasonably afford.\"},{\"icon\":{\"iD\":2739,\"id\":2739,\"title\":\"icons8-missed-call\",\"filename\":\"icons8-missed-call.svg\",\"filesize\":1897,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\",\"link\":\"\\/bankruptcy\\/icons8-missed-call\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-missed-call\",\"status\":\"inherit\",\"uploadedTo\":457,\"date\":\"2024-06-24 15:00:14\",\"modified\":\"2024-06-24 17:16:09\",\"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\\/06\\/icons8-missed-call.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.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-missed-call.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-missed-call.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\"},\"heading\":\"Legal Protection\",\"text\":\"Once your proposal is filed, all collection calls, wage garnishments, and legal actions will stop. \"}],\"outroText\":\"\u003Cp>Still weighing your options? \u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/pros-and-cons-of-filing-a-consumer-proposal\\/\\\">Explore the pros and cons of a consumer proposal\u003C\\/a> and compare it with other solutions like \u003Ca class=\\\"text-teal\\\" href=\\\"\\/debt-counselling\\/\\\">debt counselling\u003C\\/a> or \u003Ca class=\\\"text-teal\\\" href=\\\"\\/debt-consolidation\\/\\\">consolidation\u003C\\/a> through credit agencies or your bank.\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 in Manitoba\",\"text\":\"\u003Cp>You may qualify if:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>Your unsecured debt totals less than $250,000 (excluding secured debts like a mortgage debt)\u003C\\/li>\\n\u003Cli>You\\u2019re unable to pay your debts as they come due\u003C\\/li>\\n\u003C\\/ul>\\n\u003Cp>Not sure where you stand?\u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/how-to-qualify-for-consumer-proposal\\/\\\"> Learn how to know if you’re eligible for 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\":\"What Types of Debt Are Included?\",\"text\":\"\u003Cp>A consumer proposal can help you manage most unsecured debts, including:\u003C\\/p>\\n\",\"list\":[{\"item\":\"Credit card balances\"},{\"item\":\"Payday loans\"},{\"item\":\"Personal loans\"},{\"item\":\"Lines of credit and other unsecured liabilities\"}],\"button\":\"\",\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"OptionsCallOut\",\"heading\":\"\",\"text\":\"\u003Cp style=\\\"text-align: center;\\\">If you’re dealing with government debt, \u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/cra-debt-consumer-proposal\\/\\\">see how CRA debts are treated in a consumer proposal.\u003C\\/a>\u003C\\/p>\\n\",\"anchorId\":\"\"},{\"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\":2721,\"id\":2721,\"title\":\"icons8-connected-people\",\"filename\":\"icons8-connected-people.svg\",\"filesize\":2023,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.svg\",\"link\":\"\\/?attachment_id=2721\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-connected-people\",\"status\":\"inherit\",\"uploadedTo\":348,\"date\":\"2024-06-24 14:59:50\",\"modified\":\"2024-06-24 16:54:55\",\"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-connected-people.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.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-connected-people.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-connected-people.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-connected-people.svg\"},\"text\":\"Book a confidential, no-obligation consultation with a Licensed Insolvency Trustee in Manitoba. We\\u2019ll assess your situation and explain your options clearly.\"},{\"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\\u2019ll develop a custom repayment plan that reflects your financial reality and meets your creditors' expectations.\"},{\"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\":\"Your proposal is submitted to the Office of the Superintendent of Bankruptcy Canada. Creditors have 45 days to vote. If the majority (by dollar value) approve, the agreement becomes legally binding on all.\"},{\"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 your proposal is approved, you\\u2019ll begin making affordable monthly payments. You\\u2019ll also complete two mandatory financial counselling sessions to help you build healthy money habits. When the proposal is finished, any remaining eligible debt is legally forgiven \\u2014 giving you a clear financial reset.\"}],\"showArrows\":true,\"anchorId\":\"\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Manitobans Choose Farber\",\"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 Local Advisors\",\"text\":\"We serve individuals and families across Manitoba \\u2014 both in-person and virtually \\u2014 with solutions tailored to your financial situation.\"},{\"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\":\"Licensed & Regulated Experts\",\"text\":\"You\\u2019ll work with a federally Licensed Insolvency Trustee, not a third-party agency. That means full transparency, legal protection, and professional 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\":\"Custom, Compassionate Service\",\"text\":\"We meet you where you\\u2019re at \\u2014 no shame, no pressure. If a consumer proposal isn\\u2019t the right fit, we\\u2019ll walk you through other options like debt counselling or debt consolidation.\"}],\"outroText\":\"\u003Cp>Want to understand the big picture? \u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/bankruptcy-vs-consumer-proposal\\/\\\">See how we help clients across Canada rebuild after debt.\u003C\\/a>\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"iconSize\":\"48\",\"iconAlignment\":\"top\"},{\"fieldGroupName\":\"ReviewSliderManualEntry\",\"reviews\":[{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/6845e998f0e9f315546890ae\",\"stars\":\"5\",\"text\":\"Never knew Farber existed until a couple of weeks ago. I'm still surprised that more Canadians don't know about this wonderful lifetime opportunity! I gladly started to speak to friends and colleagues who are in debt about Farber Debt Solutions. It felt great to help a friend with this information, especially when he told me how satisfied he was about feeling debt free. On top of that, I was glad to see that there is a counselling program that gives support, education and guidance on managing debt. Thank you so much and I encourage anyone who is reading this review to inform a friend who is not aware that there is real help. Thank you again for freeing my years of burden.\",\"name\":\"Mashaka K.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/66219e1e434f990012bb5d7f\",\"stars\":\"5\",\"text\":\"Farber is the only trustee you can trust, especially with consumer proposals.\\r\\nAnd the only one who can deal with Revenue Canada.\\r\\n\\r\\nExcellent service, knowledgeable staff, as painless as it can be\",\"name\":\"Dan G.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/reviews\\/67f584f3fa22c7be84a7549b\",\"stars\":\"5\",\"text\":\"Five whole years later and I still have the same feelings:\\r\\n\\r\\nEvery single individual that I worked with at Farber, from my initial intake to 5 years later has been an excellent example of true customer support.\\r\\n\\r\\nFrom answering questions repeatedly to guiding me confidently, everyone here at Farber made the worst-feeling situation feel like something I could get through.\\r\\n\\r\\nThe folks at Farber really \\u2018Get it\\u2019 and this is so much more than just a legal department: These are people who will help you as much as you are willing to help yourself.\\r\\n\\r\\nSpecial thanks to: Pamela, Kim, Elisha, Taghreed, Beth, Lambert and Greg. You are all amazing!\",\"name\":\"Kyle\"}],\"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\":4162,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:36:48\",\"post_date_gmt\":\"2025-07-16 13:36:48\",\"post_content\":\"No. Unlike bankruptcy, a consumer proposal allows you to keep your assets and repay only a portion of your debt, usually with less impact on your credit.\",\"post_title\":\"Is a consumer proposal the same as bankruptcy?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"is-a-consumer-proposal-the-same-as-bankruptcy\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:36:48\",\"post_modified_gmt\":\"2025-07-16 13:36:48\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4162\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":471,\"post_author\":\"6\",\"post_date\":\"2024-06-13 15:54:10\",\"post_date_gmt\":\"2024-06-13 19:54:10\",\"post_content\":\"Most consumer proposals last from three to five years, with five being the most common. You make one monthly payment to your LIT, who then pays your creditors. This allows you to manage your expenses more easily by spreading out the total amount owed.\\r\\n\\r\\nOnce accepted, it's legally binding on all creditors, unlike other debt settlements where each creditor can opt out. In a proposal, the majority of your creditors have to agree to an amount they\\u2019ll accept for your outstanding debt. Once that happens, all creditors are bound, even if a minority voted against it. After your final payment, a Certificate of Completion is issued, notifying credit bureaus of your successful completion.\",\"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\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2024-07-22 07:37:30\",\"post_modified_gmt\":\"2024-07-22 11:37:30\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=faq&p=471\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4163,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:38:23\",\"post_date_gmt\":\"2025-07-16 13:38:23\",\"post_content\":\"Yes. As soon as your proposal is filed, we notify your creditors and all collection activity \\u2014 including calls, wage garnishments, and legal action \\u2014 must stop.\",\"post_title\":\"Will it stop collection calls?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-it-stop-collection-calls\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:38:23\",\"post_modified_gmt\":\"2025-07-16 13:38:23\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4163\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4164,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:38:57\",\"post_date_gmt\":\"2025-07-16 13:38:57\",\"post_content\":\"Yes. A consumer proposal is governed by the Bankruptcy and Insolvency Act and must be administered by a Licensed Insolvency Trustee (LIT). This ensures the process is legally binding, transparent, and fair for both the debtor and creditors.\",\"post_title\":\"Is a consumer proposal regulated by the government?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"is-a-consumer-proposal-regulated-by-the-government\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:38:57\",\"post_modified_gmt\":\"2025-07-16 13:38:57\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4164\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4165,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:39:36\",\"post_date_gmt\":\"2025-07-16 13:39:36\",\"post_content\":\"It might. A proposal appears on your credit report, which could influence mortgage lenders. \u003Ca href=\\\"\\/blog\\/how-a-consumer-proposal-can-impact-mortgage-renewal\\\">Here\\u2019s how it may impact your mortgage renewal and what you can do to prepare\u003C\\/a>.\",\"post_title\":\"Will a consumer proposal affect my mortgage renewal?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-a-consumer-proposal-affect-my-mortgage-renewal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:39:36\",\"post_modified_gmt\":\"2025-07-16 13:39:36\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4165\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"button\":{\"title\":\"See more FAQ\",\"url\":\"https:\\/\\/www.farber.ca\\/faq\\/\",\"target\":\"\"},\"enableSeoSchema\":true,\"anchorId\":\"faqs\"},{\"fieldGroupName\":\"CtasBanner\",\"heading\":\"Learn More About Our Manitoba Locations\",\"text\":\"\u003Cp>We offer in-person consultations in \u003Ca href=\\\"\\/locations\\/winnipeg\\/\\\">Winnipeg\u003C\\/a> and \u003Ca href=\\\"\\/locations\\/brandon\\/\\\">Brandon\u003C\\/a> \\u2014 and support clients virtually across Manitoba for added convenience.\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"Winnipeg\",\"url\":\"\\/locations\\/winnipeg\",\"target\":\"\"}},{\"button\":{\"title\":\"Brandon\",\"url\":\"\\/locations\\/brandon\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"\",\"text\":\"\",\"list\":false,\"button\":{\"title\":\"View all Manitoba office locations.\",\"url\":\"\\/locations\",\"target\":\"\"},\"backgroundColor\":\"bg-teal-dark\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"}]",{"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=\"Explore consumer proposals in Manitoba with Farber. Reduce debt without bankruptcy. Book your free consultation today.\" />\n\u003Clink rel=\"canonical\" href=\"/consumer-proposal/manitoba/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Consumer Proposal Manitoba\" />\n\u003Cmeta property=\"og:description\" content=\"Explore consumer proposals in Manitoba with Farber. Reduce debt without bankruptcy. Book your free consultation today.\" />\n\u003Cmeta property=\"og:url\" content=\"/consumer-proposal/manitoba/\" />\n\u003Cmeta property=\"og:site_name\" content=\"Farber Debt Solutions\" />\n\u003Cmeta property=\"article:modified_time\" content=\"2025-07-16T13:53:21+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/manitoba/\",\"url\":\"/consumer-proposal/manitoba/\",\"name\":\"Consumer Proposal Manitoba\",\"isPartOf\":{\"@id\":\"/#website\"},\"datePublished\":\"2025-07-16T13:39:45+00:00\",\"dateModified\":\"2025-07-16T13:53:21+00:00\",\"description\":\"Explore consumer proposals in Manitoba with Farber. Reduce debt without bankruptcy. 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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},2792,"What makes us different","What-makes-us-different-1.png",535633,"https://www.farber.ca/wp-content/uploads/2024/06/What-makes-us-different-1.png","/what-makes-us-different/what-makes-us-different-3/","","6","what-makes-us-different-3","inherit",346,"2024-06-27 14:57:19","2024-06-27 15:12:41",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/What-makes-us-different-1-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/06/What-makes-us-different-1-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/06/What-makes-us-different-1-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/06/What-makes-us-different-1-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/06/What-makes-us-different-1-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/06/What-makes-us-different-1.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":110,"supertitle":75,"badgeNumber":34,"heading":111,"text":112,"button":34,"anchorId":76,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":116,"textAlignment":119,"bodyTextSize":121,"showArrowBelow":122,"spacing":123,"buttonStyling":124},"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":96,"date":97,"modified":97,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"sizes":99,"relativeUrl":109},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":100,"thumbnail-width":50,"thumbnail-height":50,"medium":101,"medium-width":102,"medium-height":52,"mediumLarge":103,"mediumLarge-width":55,"mediumLarge-height":104,"large":105,"large-width":106,"large-height":58,"1536x1536":93,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":93,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":93,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":93,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":93,"gform-image-choice-lg-width":108,"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","A Legally Backed Debt Settlement Solution","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a formal, legally recognized process that allows you to repay a portion of your unsecured debts, based on what you can realistically afford. Administered by a \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustee (LIT)\u003C/a>, it provides a valuable alternative to bankruptcy, helping you protect your assets while stopping collection actions. \u003Ca class=\"text-teal\" href=\"/blog/less-debt-with-consumer-proposal/\">Learn how a consumer proposal can reduce your debt and provide financial relief.\u003C/a>\u003C/p>\n","bg-white","contained","4/12",{"desktop":117,"mobile":118},"imageContent","contentImage",{"desktop":120,"mobile":120},"left","base",false,[],"light",{"fieldGroupName":87,"image":126,"supertitleStyling":110,"supertitle":78,"badgeNumber":34,"heading":143,"text":144,"button":34,"anchorId":79,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":145,"textAlignment":146,"bodyTextSize":121,"showArrowBelow":122,"spacing":147,"buttonStyling":148},{"iD":127,"id":127,"title":128,"filename":129,"filesize":130,"url":131,"link":132,"alt":34,"author":35,"description":34,"caption":34,"name":133,"status":37,"uploadedTo":134,"date":135,"modified":136,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"sizes":137,"relativeUrl":142},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":138,"thumbnail-width":50,"thumbnail-height":50,"medium":139,"medium-width":102,"medium-height":52,"mediumLarge":140,"mediumLarge-width":55,"mediumLarge-height":104,"large":141,"large-width":106,"large-height":58,"1536x1536":131,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":131,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":131,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":131,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":131,"gform-image-choice-lg-width":108,"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 Manitoba","\u003Cp>Farber’s team of experienced Licensed Insolvency Trustees will guide you through every step of the process, creating a debt repayment plan specifically tailored to your financial situation. Once filed, the proposal becomes legally binding, offering you immediate protection and a clear path to a debt-free future.\u003C/p>\n\u003Cp>Here’s how we help you:\u003C/p>\n\u003Cul>\n\u003Cli>Filing your proposal with the federal government\u003C/li>\n\u003Cli>Negotiating with creditors on your behalf\u003C/li>\n\u003Cli>Setting up one simplified monthly payment\u003C/li>\n\u003Cli>Stopping creditor calls, wage garnishments, and other collection actions\u003C/li>\n\u003C/ul>\n",{"desktop":118,"mobile":118},{"desktop":120,"mobile":120},[],"dark",{"fieldGroupName":150,"supertitle":34,"heading":151,"introText":34,"icons":152,"outroText":213,"button":34,"anchorId":82,"backgroundColor":214,"padding":215,"iconSize":218,"iconAlignment":219},"IconGrid","Benefits of a Consumer Proposal in Manitoba",[153,170,185,200],{"icon":154,"heading":168,"text":169},{"iD":155,"id":155,"title":156,"filename":157,"filesize":158,"url":159,"link":160,"alt":34,"author":35,"description":34,"caption":34,"name":156,"status":37,"uploadedTo":161,"date":162,"modified":162,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":166,"relativeUrl":167},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","image/svg+xml","svg+xml",96,{"thumbnail":159,"thumbnail-width":50,"thumbnail-height":50,"medium":159,"medium-width":52,"medium-height":52,"mediumLarge":159,"mediumLarge-width":55,"mediumLarge-height":55,"large":159,"large-width":58,"large-height":58,"1536x1536":159,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":159,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":159,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":159,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":159,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-low-price.svg","Avoid Bankruptcy","A consumer proposal is a less disruptive, more manageable alternative to bankruptcy. It helps reduce your debt while protecting your financial future.",{"icon":171,"heading":183,"text":184},{"iD":172,"id":172,"title":173,"filename":174,"filesize":175,"url":176,"link":177,"alt":34,"author":35,"description":34,"caption":34,"name":173,"status":37,"uploadedTo":178,"date":179,"modified":180,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":181,"relativeUrl":182},2741,"icons8-money-box","icons8-money-box.svg",2898,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-money-box.svg","/what-you-need-to-know/icons8-money-box/",377,"2024-06-24 15:00:16","2024-06-24 17:15:37",{"thumbnail":176,"thumbnail-width":50,"thumbnail-height":50,"medium":176,"medium-width":52,"medium-height":52,"mediumLarge":176,"mediumLarge-width":55,"mediumLarge-height":55,"large":176,"large-width":58,"large-height":58,"1536x1536":176,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":176,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":176,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":176,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":176,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-money-box.svg","Keep Your Assets","Most people keep important assets like their home, vehicle, and RRSPs when they file a consumer proposal.",{"icon":186,"heading":198,"text":199},{"iD":187,"id":187,"title":188,"filename":189,"filesize":190,"url":191,"link":192,"alt":34,"author":35,"description":34,"caption":34,"name":188,"status":37,"uploadedTo":193,"date":194,"modified":195,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":196,"relativeUrl":197},2729,"icons8-cash-in-hand","icons8-cash-in-hand.svg",2344,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","/bankruptcy/icons8-cash-in-hand/",457,"2024-06-24 14:59:57","2024-06-24 17:16:09",{"thumbnail":191,"thumbnail-width":50,"thumbnail-height":50,"medium":191,"medium-width":52,"medium-height":52,"mediumLarge":191,"mediumLarge-width":55,"mediumLarge-height":55,"large":191,"large-width":58,"large-height":58,"1536x1536":191,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":191,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":191,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":191,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":191,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","One Affordable Monthly Payment","We’ll consolidate your debts into one fixed monthly payment — with no added interest — based on what you can reasonably afford.",{"icon":201,"heading":211,"text":212},{"iD":202,"id":202,"title":203,"filename":204,"filesize":205,"url":206,"link":207,"alt":34,"author":35,"description":34,"caption":34,"name":203,"status":37,"uploadedTo":193,"date":208,"modified":195,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":209,"relativeUrl":210},2739,"icons8-missed-call","icons8-missed-call.svg",1897,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-missed-call.svg","/bankruptcy/icons8-missed-call/","2024-06-24 15:00:14",{"thumbnail":206,"thumbnail-width":50,"thumbnail-height":50,"medium":206,"medium-width":52,"medium-height":52,"mediumLarge":206,"mediumLarge-width":55,"mediumLarge-height":55,"large":206,"large-width":58,"large-height":58,"1536x1536":206,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":206,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":206,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":206,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":206,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Legal Protection","Once your proposal is filed, all collection calls, wage garnishments, and legal actions will stop. ","\u003Cp>Still weighing your options? \u003Ca class=\"text-teal\" href=\"/blog/pros-and-cons-of-filing-a-consumer-proposal/\">Explore the pros and cons of a consumer proposal\u003C/a> and compare it with other solutions like \u003Ca class=\"text-teal\" href=\"/debt-counselling/\">debt counselling\u003C/a> or \u003Ca class=\"text-teal\" href=\"/debt-consolidation/\">consolidation\u003C/a> through credit agencies or your bank.\u003C/p>\n","bg-teal-lightest",[216,217],"top-padding","bottom-padding","96","middle",{"fieldGroupName":87,"image":221,"supertitleStyling":110,"supertitle":236,"badgeNumber":34,"heading":237,"text":238,"button":34,"anchorId":85,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":239,"textAlignment":240,"bodyTextSize":121,"showArrowBelow":122,"spacing":242,"buttonStyling":148},{"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":96,"date":229,"modified":229,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"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":102,"medium-height":52,"mediumLarge":233,"mediumLarge-width":55,"mediumLarge-height":104,"large":234,"large-width":106,"large-height":58,"1536x1536":226,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":226,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":226,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":226,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":226,"gform-image-choice-lg-width":108,"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 in Manitoba","\u003Cp>You may qualify if:\u003C/p>\n\u003Cul>\n\u003Cli>Your unsecured debt totals less than $250,000 (excluding secured debts like a mortgage debt)\u003C/li>\n\u003Cli>You’re unable to pay your debts as they come due\u003C/li>\n\u003C/ul>\n\u003Cp>Not sure where you stand?\u003Ca class=\"text-teal\" href=\"/blog/how-to-qualify-for-consumer-proposal/\"> Learn how to know if you’re eligible for a consumer proposal.\u003C/a>\u003C/p>\n",{"desktop":117,"mobile":117},{"desktop":120,"mobile":241},"center",[],{"fieldGroupName":244,"heading":245,"text":246,"list":247,"button":34,"backgroundColor":113,"padding":256,"mobileColumns":257,"desktopColumns":258,"width":259},"SmallCheckmarkList","What Types of Debt Are Included?","\u003Cp>A consumer proposal can help you manage most unsecured debts, including:\u003C/p>\n",[248,250,252,254],{"item":249},"Credit card balances",{"item":251},"Payday loans",{"item":253},"Personal loans",{"item":255},"Lines of credit and other unsecured liabilities",[217],"cols-1","auto","12/12",{"fieldGroupName":261,"heading":34,"text":262,"anchorId":34},"OptionsCallOut","\u003Cp style=\"text-align: center;\">If you’re dealing with government debt, \u003Ca class=\"text-teal\" href=\"/blog/cra-debt-consumer-proposal/\">see how CRA debts are treated in a consumer proposal.\u003C/a>\u003C/p>\n",{"fieldGroupName":264,"introduction":265,"steps":271,"showArrows":19,"anchorId":34},"Steps",{"supertitle":266,"heading":267,"button":268},"Take the first step","The Consumer Proposal Process with Farber",{"title":269,"url":270,"target":34},"Book a FREE consultation","/book-a-consultation",[272,285,299,311],{"icon":273,"text":284},{"iD":274,"id":274,"title":275,"filename":276,"filesize":277,"url":278,"link":279,"alt":34,"author":35,"description":34,"caption":34,"name":275,"status":37,"uploadedTo":161,"date":280,"modified":281,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":282,"relativeUrl":283},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","2024-06-24 14:59:50","2024-06-24 16:54:55",{"thumbnail":278,"thumbnail-width":50,"thumbnail-height":50,"medium":278,"medium-width":52,"medium-height":52,"mediumLarge":278,"mediumLarge-width":55,"mediumLarge-height":55,"large":278,"large-width":58,"large-height":58,"1536x1536":278,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":278,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":278,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":278,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":278,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-connected-people.svg","Book a confidential, no-obligation consultation with a Licensed Insolvency Trustee in Manitoba. We’ll assess your situation and explain your options clearly.",{"icon":286,"text":298},{"iD":287,"id":287,"title":288,"filename":289,"filesize":290,"url":291,"link":292,"alt":34,"author":35,"description":34,"caption":34,"name":288,"status":37,"uploadedTo":293,"date":294,"modified":295,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":296,"relativeUrl":297},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":291,"thumbnail-width":50,"thumbnail-height":50,"medium":291,"medium-width":52,"medium-height":52,"mediumLarge":291,"mediumLarge-width":55,"mediumLarge-height":55,"large":291,"large-width":58,"large-height":58,"1536x1536":291,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":291,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":291,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":291,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":291,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-document.svg","We’ll develop a custom repayment plan that reflects your financial reality and meets your creditors' expectations.",{"icon":300,"text":310},{"iD":301,"id":301,"title":302,"filename":303,"filesize":304,"url":305,"link":306,"alt":34,"author":35,"description":34,"caption":34,"name":302,"status":37,"uploadedTo":293,"date":307,"modified":295,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":308,"relativeUrl":309},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":305,"thumbnail-width":50,"thumbnail-height":50,"medium":305,"medium-width":52,"medium-height":52,"mediumLarge":305,"mediumLarge-width":55,"mediumLarge-height":55,"large":305,"large-width":58,"large-height":58,"1536x1536":305,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":305,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":305,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":305,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":305,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-schedule.svg","Your proposal is submitted to the Office of the Superintendent of Bankruptcy Canada. Creditors have 45 days to vote. If the majority (by dollar value) approve, the agreement becomes legally binding on all.",{"icon":312,"text":322},{"iD":313,"id":313,"title":314,"filename":315,"filesize":316,"url":317,"link":318,"alt":34,"author":35,"description":34,"caption":34,"name":314,"status":37,"uploadedTo":178,"date":319,"modified":180,"menuOrder":41,"mimeType":163,"type":43,"subtype":164,"icon":45,"width":165,"height":165,"sizes":320,"relativeUrl":321},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/","2024-06-24 14:59:53",{"thumbnail":317,"thumbnail-width":50,"thumbnail-height":50,"medium":317,"medium-width":52,"medium-height":52,"mediumLarge":317,"mediumLarge-width":55,"mediumLarge-height":55,"large":317,"large-width":58,"large-height":58,"1536x1536":317,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":317,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":317,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":317,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":317,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-card-payment.svg","Once your proposal is approved, you’ll begin making affordable monthly payments. You’ll also complete two mandatory financial counselling sessions to help you build healthy money habits. When the proposal is finished, any remaining eligible debt is legally forgiven — giving you a clear financial reset.",{"fieldGroupName":150,"supertitle":34,"heading":324,"introText":34,"icons":325,"outroText":350,"button":34,"anchorId":34,"backgroundColor":214,"padding":351,"iconSize":352,"iconAlignment":353},"Why Manitobans Choose Farber",[326,340,345],{"icon":327,"heading":338,"text":339},{"iD":328,"id":328,"title":329,"filename":330,"filesize":331,"url":332,"link":333,"alt":34,"author":35,"description":34,"caption":34,"name":329,"status":37,"uploadedTo":293,"date":334,"modified":334,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":335,"height":335,"sizes":336,"relativeUrl":337},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":332,"thumbnail-width":335,"thumbnail-height":335,"medium":332,"medium-width":335,"medium-height":335,"mediumLarge":332,"mediumLarge-width":335,"mediumLarge-height":335,"large":332,"large-width":335,"large-height":335,"1536x1536":332,"1536x1536-width":335,"1536x1536-height":335,"2048x2048":332,"2048x2048-width":335,"2048x2048-height":335,"gform-image-choice-sm":332,"gform-image-choice-sm-width":335,"gform-image-choice-sm-height":335,"gform-image-choice-md":332,"gform-image-choice-md-width":335,"gform-image-choice-md-height":335,"gform-image-choice-lg":332,"gform-image-choice-lg-width":335,"gform-image-choice-lg-height":335},"/wp-content/uploads/2024/07/check-circle.png","Experienced Local Advisors","We serve individuals and families across Manitoba — both in-person and virtually — with solutions tailored to your financial situation.",{"icon":341,"heading":343,"text":344},{"iD":328,"id":328,"title":329,"filename":330,"filesize":331,"url":332,"link":333,"alt":34,"author":35,"description":34,"caption":34,"name":329,"status":37,"uploadedTo":293,"date":334,"modified":334,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":335,"height":335,"sizes":342,"relativeUrl":337},{"thumbnail":332,"thumbnail-width":335,"thumbnail-height":335,"medium":332,"medium-width":335,"medium-height":335,"mediumLarge":332,"mediumLarge-width":335,"mediumLarge-height":335,"large":332,"large-width":335,"large-height":335,"1536x1536":332,"1536x1536-width":335,"1536x1536-height":335,"2048x2048":332,"2048x2048-width":335,"2048x2048-height":335,"gform-image-choice-sm":332,"gform-image-choice-sm-width":335,"gform-image-choice-sm-height":335,"gform-image-choice-md":332,"gform-image-choice-md-width":335,"gform-image-choice-md-height":335,"gform-image-choice-lg":332,"gform-image-choice-lg-width":335,"gform-image-choice-lg-height":335},"Licensed & Regulated Experts","You’ll work with a federally Licensed Insolvency Trustee, not a third-party agency. That means full transparency, legal protection, and professional expertise.",{"icon":346,"heading":348,"text":349},{"iD":328,"id":328,"title":329,"filename":330,"filesize":331,"url":332,"link":333,"alt":34,"author":35,"description":34,"caption":34,"name":329,"status":37,"uploadedTo":293,"date":334,"modified":334,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":335,"height":335,"sizes":347,"relativeUrl":337},{"thumbnail":332,"thumbnail-width":335,"thumbnail-height":335,"medium":332,"medium-width":335,"medium-height":335,"mediumLarge":332,"mediumLarge-width":335,"mediumLarge-height":335,"large":332,"large-width":335,"large-height":335,"1536x1536":332,"1536x1536-width":335,"1536x1536-height":335,"2048x2048":332,"2048x2048-width":335,"2048x2048-height":335,"gform-image-choice-sm":332,"gform-image-choice-sm-width":335,"gform-image-choice-sm-height":335,"gform-image-choice-md":332,"gform-image-choice-md-width":335,"gform-image-choice-md-height":335,"gform-image-choice-lg":332,"gform-image-choice-lg-width":335,"gform-image-choice-lg-height":335},"Custom, Compassionate Service","We meet you where you’re at — no shame, no pressure. If a consumer proposal isn’t the right fit, we’ll walk you through other options like debt counselling or debt consolidation.","\u003Cp>Want to understand the big picture? \u003Ca class=\"text-teal\" href=\"/blog/bankruptcy-vs-consumer-proposal/\">See how we help clients across Canada rebuild after debt.\u003C/a>\u003C/p>\n",[216,217],"48","top",{"fieldGroupName":355,"reviews":356,"showTrustpilotSummaryLink":19,"anchorId":34,"backgroundColor":214,"padding":370},"ReviewSliderManualEntry",[357,362,366],{"url":358,"stars":359,"text":360,"name":361},"https://ca.trustpilot.com/users/6845e998f0e9f315546890ae","5","Never knew Farber existed until a couple of weeks ago. I'm still surprised that more Canadians don't know about this wonderful lifetime opportunity! I gladly started to speak to friends and colleagues who are in debt about Farber Debt Solutions. It felt great to help a friend with this information, especially when he told me how satisfied he was about feeling debt free. On top of that, I was glad to see that there is a counselling program that gives support, education and guidance on managing debt. Thank you so much and I encourage anyone who is reading this review to inform a friend who is not aware that there is real help. Thank you again for freeing my years of burden.","Mashaka K.",{"url":363,"stars":359,"text":364,"name":365},"https://ca.trustpilot.com/users/66219e1e434f990012bb5d7f","Farber is the only trustee you can trust, especially with consumer proposals.\r\nAnd the only one who can deal with Revenue Canada.\r\n\r\nExcellent service, knowledgeable staff, as painless as it can be","Dan G.",{"url":367,"stars":359,"text":368,"name":369},"https://ca.trustpilot.com/reviews/67f584f3fa22c7be84a7549b","Five whole years later and I still have the same feelings:\r\n\r\nEvery single individual that I worked with at Farber, from my initial intake to 5 years later has been an excellent example of true customer support.\r\n\r\nFrom answering questions repeatedly to guiding me confidently, everyone here at Farber made the worst-feeling situation feel like something I could get through.\r\n\r\nThe folks at Farber really ‘Get it’ and this is so much more than just a legal department: These are people who will help you as much as you are willing to help yourself.\r\n\r\nSpecial thanks to: Pamela, Kim, Elisha, Taghreed, Beth, Lambert and Greg. You are all amazing!","Kyle",[217],{"fieldGroupName":372,"anchorId":34,"layout":373,"form":374,"heading":34,"content":34,"hideContentOnMobile":122,"backgroundColor":113},"FormEmbed","1-col",{"ID":375,"post_author":35,"post_date":376,"post_date_gmt":377,"post_content":378,"post_title":379,"post_excerpt":34,"post_status":10,"comment_status":380,"ping_status":380,"post_password":34,"post_name":381,"to_ping":34,"pinged":34,"post_modified":382,"post_modified_gmt":383,"post_content_filtered":34,"post_parent":41,"guid":384,"menu_order":41,"post_type":385,"post_mime_type":34,"comment_count":386,"filter":387},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":389,"introduction":390,"type":393,"accordions":122,"faqs":394,"button":437,"enableSeoSchema":19,"anchorId":440},"FaqAccordion",{"supertitle":34,"heading":391,"text":392},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[395,403,413,421,429],{"ID":396,"post_author":35,"post_date":397,"post_date_gmt":398,"post_content":399,"post_title":400,"post_excerpt":34,"post_status":10,"comment_status":380,"ping_status":380,"post_password":34,"post_name":401,"to_ping":34,"pinged":34,"post_modified":397,"post_modified_gmt":398,"post_content_filtered":34,"post_parent":41,"guid":402,"menu_order":41,"post_type":393,"post_mime_type":34,"comment_count":386,"filter":387},4162,"2025-07-16 09:36:48","2025-07-16 13:36:48","No. Unlike bankruptcy, a consumer proposal allows you to keep your assets and repay only a portion of your debt, usually with less impact on your credit.","Is a consumer proposal the same as bankruptcy?","is-a-consumer-proposal-the-same-as-bankruptcy","https://prod-wp.farber.ca/?post_type=faq&p=4162",{"ID":404,"post_author":35,"post_date":405,"post_date_gmt":406,"post_content":407,"post_title":408,"post_excerpt":34,"post_status":10,"comment_status":380,"ping_status":380,"post_password":34,"post_name":409,"to_ping":34,"pinged":34,"post_modified":410,"post_modified_gmt":411,"post_content_filtered":34,"post_parent":41,"guid":412,"menu_order":41,"post_type":393,"post_mime_type":34,"comment_count":386,"filter":387},471,"2024-06-13 15:54:10","2024-06-13 19:54:10","Most consumer proposals last from three to five years, with five being the most common. You make one monthly payment to your LIT, who then pays your creditors. This allows you to manage your expenses more easily by spreading out the total amount owed.\r\n\r\nOnce accepted, it's legally binding on all creditors, unlike other debt settlements where each creditor can opt out. In a proposal, the majority of your creditors have to agree to an amount they’ll accept for your outstanding debt. Once that happens, all creditors are bound, even if a minority voted against it. After your final payment, a Certificate of Completion is issued, notifying credit bureaus of your successful completion.","How long does a consumer proposal last?","how-long-does-a-consumer-proposal-last","2024-07-22 07:37:30","2024-07-22 11:37:30","https://www.farber.ca/?post_type=faq&p=471",{"ID":414,"post_author":35,"post_date":415,"post_date_gmt":416,"post_content":417,"post_title":418,"post_excerpt":34,"post_status":10,"comment_status":380,"ping_status":380,"post_password":34,"post_name":419,"to_ping":34,"pinged":34,"post_modified":415,"post_modified_gmt":416,"post_content_filtered":34,"post_parent":41,"guid":420,"menu_order":41,"post_type":393,"post_mime_type":34,"comment_count":386,"filter":387},4163,"2025-07-16 09:38:23","2025-07-16 13:38:23","Yes. As soon as your proposal is filed, we notify your creditors and all collection activity — including calls, wage garnishments, and legal action — must stop.","Will it stop collection calls?","will-it-stop-collection-calls","https://prod-wp.farber.ca/?post_type=faq&p=4163",{"ID":422,"post_author":35,"post_date":423,"post_date_gmt":424,"post_content":425,"post_title":426,"post_excerpt":34,"post_status":10,"comment_status":380,"ping_status":380,"post_password":34,"post_name":427,"to_ping":34,"pinged":34,"post_modified":423,"post_modified_gmt":424,"post_content_filtered":34,"post_parent":41,"guid":428,"menu_order":41,"post_type":393,"post_mime_type":34,"comment_count":386,"filter":387},4164,"2025-07-16 09:38:57","2025-07-16 13:38:57","Yes. A consumer proposal is governed by the Bankruptcy and Insolvency Act and must be administered by a Licensed Insolvency Trustee (LIT). This ensures the process is legally binding, transparent, and fair for both the debtor and creditors.","Is a consumer proposal regulated by the government?","is-a-consumer-proposal-regulated-by-the-government","https://prod-wp.farber.ca/?post_type=faq&p=4164",{"ID":430,"post_author":35,"post_date":431,"post_date_gmt":432,"post_content":433,"post_title":434,"post_excerpt":34,"post_status":10,"comment_status":380,"ping_status":380,"post_password":34,"post_name":435,"to_ping":34,"pinged":34,"post_modified":431,"post_modified_gmt":432,"post_content_filtered":34,"post_parent":41,"guid":436,"menu_order":41,"post_type":393,"post_mime_type":34,"comment_count":386,"filter":387},4165,"2025-07-16 09:39:36","2025-07-16 13:39:36","It might. A proposal appears on your credit report, which could influence mortgage lenders. \u003Ca href=\"/blog/how-a-consumer-proposal-can-impact-mortgage-renewal\">Here’s how it may impact your mortgage renewal and what you can do to prepare\u003C/a>.","Will a consumer proposal affect my mortgage renewal?","will-a-consumer-proposal-affect-my-mortgage-renewal","https://prod-wp.farber.ca/?post_type=faq&p=4165",{"title":438,"url":439,"target":34},"See more FAQ","https://www.farber.ca/faq/","faqs",{"fieldGroupName":442,"heading":443,"text":444,"ctas":445,"anchorId":34,"buttonStyling":454,"colorTheme":455},"CtasBanner","Learn More About Our Manitoba Locations","\u003Cp>We offer in-person consultations in \u003Ca href=\"/locations/winnipeg/\">Winnipeg\u003C/a> and \u003Ca href=\"/locations/brandon/\">Brandon\u003C/a> — and support clients virtually across Manitoba for added convenience.\u003C/p>\n",[446,450],{"button":447},{"title":448,"url":449,"target":34},"Winnipeg","/locations/winnipeg",{"button":451},{"title":452,"url":453,"target":34},"Brandon","/locations/brandon","right-arrow","teal",{"fieldGroupName":244,"heading":34,"text":34,"list":122,"button":457,"backgroundColor":460,"padding":461,"mobileColumns":257,"desktopColumns":258,"width":259},{"title":458,"url":459,"target":34},"View all Manitoba office locations.","/locations","bg-teal-dark",[217],{"menus":463,"siteSettings":802,"fallbackPages":853},[464,482,493,526,566,599,778],{"locations":465,"menuItems":467},[466],"HEADER_CAMPAIGN",{"nodes":468},[469,475],{"uri":470,"label":269,"cssClasses":471,"description":8,"id":472,"parentId":8,"childItems":473},"#consultation-form",[],"cG9zdDoyNTYz",{"nodes":474},[],{"uri":476,"label":477,"cssClasses":478,"description":8,"id":479,"parentId":8,"childItems":480},"tel:+18449848677","+1 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