[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"getPageData-/consumer-proposal/new-brunswick-en":3,"getGlobalData-en":424},{"id":4,"slug":5,"title":6,"date":7,"content":8,"uri":9,"status":10,"allFlexBlocks":11,"pageNavigation":12,"seo":14,"liveChat":18,"languageCode":20,"translations":21,"flexBlocks":22},"cG9zdDo0MTY2","new-brunswick","Consumer Proposal New Brunswick","2025-07-16T09:49:15",null,"/consumer-proposal/new-brunswick/","publish","[{\"fieldGroupName\":\"StandardHeader\",\"heading\":\"A consumer proposal in New Brunswick is an alternative to bankruptcy\",\"text\":\"While not everyone is familiar with it, a consumer proposal can be a powerful debt-relief option that may significantly reduce or even eliminate what you owe. 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this page\",\"anchors\":[{\"title\":\"What is a consumer proposal?\",\"anchorId\":\"what-is-a-consumer-proposal\"},{\"title\":\"Getting started\",\"anchorId\":\"getting-started\"},{\"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\":\"What is a consumer proposal?\",\"badgeNumber\":\"\",\"heading\":\"Federally Regulated Debt Relief Option\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a legally binding arrangement that allows you to settle a portion of your unsecured debts over time. In exchange, you receive protection from creditor actions like collection calls and lawsuits. This process is 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>, ensuring both debtors and creditors are treated fairly within a structured legal framework.\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\":\"Getting started\",\"badgeNumber\":\"\",\"heading\":\"The Role of a Licensed Insolvency Trustee in NB\",\"text\":\"\u003Cp>At Farber, our \u003Ca class=\\\"text-teal\\\" href=\\\"\\/why-a-licensed-insolvency-trustee\\/\\\">Licensed Insolvency Trustees\u003C\\/a> will support you through every stage. From developing a manageable repayment plan to filing the proposal and handling communications with creditors, we ensure a seamless process and advocate for your financial recovery.\u003C\\/p>\\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\":\"Key Benefits of a Consumer Proposal\",\"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 in New Brunswick\",\"text\":\"With a consumer proposal, you can resolve your debt for less than you owe, while retaining your home, car, and other important assets. Avoid the drastic step of bankruptcy and regain control of your financial future.\"},{\"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\":\"Stop Collections & Garnishments\",\"text\":\"Once your proposal is filed, creditors must stop all collection activities, including wage garnishments and collection calls, giving you the peace of mind you deserve.\"},{\"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\":\"Single Affordable Payment\",\"text\":\"Consolidate your debts into one manageable monthly payment that fits your budget. Our tailored approach helps ease your financial burden and makes your debt repayment process predictable and stress-free.\"}],\"outroText\":\"\u003Cp>Not sure if a consumer proposal is right for you? 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\",\"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\":\"Do You Qualify for a Consumer Proposal in NB?\",\"badgeNumber\":\"\",\"heading\":\"General Eligibility Requirements\",\"text\":\"\u003Cp>To qualify for a consumer proposal, you must owe less than $250,000 in unsecured debt (excluding your mortgage) and have a stable income to support monthly payments. It\\u2019s also worth considering how a \u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/how-a-consumer-proposal-can-impact-mortgage-renewal\\/\\\">consumer proposal might impact your mortgage renewal\u003C\\/a>, especially if you’re planning to refinance or buy a home in the future.\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"eligibility\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"imageContent\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"center\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"dark\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"Types of Debt Covered\",\"text\":\"\u003Cp>A consumer proposal can cover a variety of unsecured debts\\u2014like credit cards, payday loans, and CRA tax debt. If you\\u2019re specifically dealing with tax-related issues, explore your \u003Ca class=\\\"text-teal\\\" href=\\\"\\/blog\\/cra-bankruptcy-or-consumer-proposal\\/\\\">CRA debt relief options.\u003C\\/a>\u003C\\/p>\\n\",\"list\":[{\"item\":\"Credit card balances\"},{\"item\":\"Payday loans\"},{\"item\":\"Personal loans\"},{\"item\":\"Lines of credit\"}],\"button\":\"\",\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"Steps\",\"introduction\":{\"supertitle\":\"Take the first step\",\"heading\":\"The Consumer Proposal Process in New Brunswick\",\"button\":{\"title\":\"Book a FREE 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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\":\"Discuss your financial situation with a New Brunswick Licensed Insolvency Trustee and explore your options without any obligation.\"},{\"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 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create a tailored debt repayment plan that satisfies your creditors 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 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have 45 days to vote. If the majority (by debt value) accept, the proposal becomes legally binding. But if your consumer proposal is rejected, there are still options to consider\\u2014including modifications or alternative debt solutions.\"},{\"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 accepted, begin making your monthly payments and receive legal protection from creditors. As part of the process, you\\u2019ll also complete two mandatory financial counselling sessions to help you build better money habits. After completing the payment terms and both sessions, the remaining debt is forgiven.\"}],\"showArrows\":true,\"anchorId\":\"\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Choose Farber in New Brunswick?\",\"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 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Experts Across the Province\",\"text\":\"Whether you're in Saint John, Moncton, our team offers personalized debt help through secure virtual consultations \\u2014 making it easy to get expert support from the comfort of your home.\"},{\"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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Professionals\",\"text\":\"Our Licensed Insolvency Trustees are federally certified, ensuring you receive professional guidance and trustworthy advice.\"},{\"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\":\"Proven Track Record\",\"text\":\"Since 1979, Farber has helped thousands of Canadians\\u2014including many in New Brunswick\\u2014find lasting solutions for their debt problems.\"}],\"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\\/67f584f3fa22c7be84a7549b\",\"stars\":\"5\",\"text\":\"Five whole years later and I still have the same feelings:\\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\\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\\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\\nSpecial thanks to: Pamela, Kim, Elisha, Taghreed, Beth, Lambert and Greg. You are all amazing!\",\"name\":\"Kyle\"},{\"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\\/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.\"}],\"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\":4167,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:46:20\",\"post_date_gmt\":\"2025-07-16 13:46:20\",\"post_content\":\"A consumer proposal stays on your credit report for up to 3 years after completion. While it does impact your credit, it\\u2019s less severe than bankruptcy and provides an opportunity to rebuild faster.\",\"post_title\":\"Does it affect my credit rating?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"does-it-affect-my-credit-rating\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:46:20\",\"post_modified_gmt\":\"2025-07-16 13:46:20\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4167\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4168,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:46:48\",\"post_date_gmt\":\"2025-07-16 13:46:48\",\"post_content\":\"Typically, credit access is limited while the proposal is active. This restriction helps you regain control of your finances and avoid taking on additional debt.\",\"post_title\":\"Can I still use credit during the proposal?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-still-use-credit-during-the-proposal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:46:48\",\"post_modified_gmt\":\"2025-07-16 13:46:48\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4168\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4169,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:47:43\",\"post_date_gmt\":\"2025-07-16 13:47:43\",\"post_content\":\"If you miss three consecutive payments, your \u003Ca href=\\\"\\/blog\\/annulled-consumer-proposal\\\">consumer proposal may be annulled,\u003C\\/a> and creditors can resume collection actions. If this happens, it\\u2019s important to reach out to your trustee immediately to discuss your options.\",\"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-2\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:47:43\",\"post_modified_gmt\":\"2025-07-16 13:47:43\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4169\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4170,\"post_author\":\"6\",\"post_date\":\"2025-07-16 09:48:16\",\"post_date_gmt\":\"2025-07-16 13:48:16\",\"post_content\":\"Yes, CRA tax debts, including income tax and HST arrears, can be included in a consumer proposal and may be reduced as part of the process.\",\"post_title\":\"Can I include tax debt in a proposal?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-include-tax-debt-in-a-proposal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 09:48:16\",\"post_modified_gmt\":\"2025-07-16 13:48:16\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4170\",\"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 New Brunswick Locations\",\"text\":\"\u003Cp>We have trusted offices across New Brunswick, providing local support wherever you are.\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"View all NB office locations\",\"url\":\"\\/locations\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"}]",{"pageNavigation":13},"default",{"title":6,"fullHead":15,"metaRobotsNoindex":16,"metaRobotsNofollow":17},"\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Learn how a consumer proposal can help you get out of debt in New Brunswick. Speak with a Farber expert today — book a free consultation.\" />\n\u003Clink rel=\"canonical\" href=\"/consumer-proposal/new-brunswick/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Consumer Proposal New Brunswick\" />\n\u003Cmeta property=\"og:description\" content=\"Learn how a consumer proposal can help you get out of debt in New Brunswick. 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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":39,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":45,"height":46,"sizes":47,"relativeUrl":66},3235,"Why a LIT","Why-a-LIT.png",1757257,"https://www.farber.ca/wp-content/uploads/2024/07/Why-a-LIT.png","/why-a-licensed-insolvency-trustee/why-a-lit-2/","","6","why-a-lit-2","inherit",443,"2024-07-10 13:14:00",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":48,"thumbnail-width":49,"thumbnail-height":49,"medium":50,"medium-width":51,"medium-height":52,"mediumLarge":53,"mediumLarge-width":54,"mediumLarge-height":55,"large":56,"large-width":57,"large-height":58,"1536x1536":59,"1536x1536-width":60,"1536x1536-height":61,"2048x2048":32,"2048x2048-width":45,"2048x2048-height":46,"gform-image-choice-sm":32,"gform-image-choice-sm-width":51,"gform-image-choice-sm-height":52,"gform-image-choice-md":32,"gform-image-choice-md-width":62,"gform-image-choice-md-height":63,"gform-image-choice-lg":32,"gform-image-choice-lg-width":64,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/07/Why-a-LIT-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/07/Why-a-LIT-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/07/Why-a-LIT-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/07/Why-a-LIT-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/07/Why-a-LIT-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/07/Why-a-LIT.png","bg-gold-lightest",[],{"fieldGroupName":70,"heading":71,"anchors":72},"AnchorLinks","On this page",[73,76,79,82],{"title":74,"anchorId":75},"What is a consumer proposal?","what-is-a-consumer-proposal",{"title":77,"anchorId":78},"Getting started","getting-started",{"title":80,"anchorId":81},"Benefits","benefits",{"title":83,"anchorId":84},"Eligibility","eligibility",{"fieldGroupName":86,"image":87,"supertitleStyling":109,"supertitle":74,"badgeNumber":34,"heading":110,"text":111,"button":34,"anchorId":75,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":115,"textAlignment":118,"bodyTextSize":120,"showArrowBelow":121,"spacing":122,"buttonStyling":123},"ImageTextBanner",{"iD":88,"id":88,"title":89,"filename":90,"filesize":91,"url":92,"link":93,"alt":34,"author":35,"description":34,"caption":34,"name":94,"status":37,"uploadedTo":95,"date":96,"modified":96,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":57,"height":97,"sizes":98,"relativeUrl":108},2752,"Consumer Proposal 1","Consumer-Proposal-1.png",236037,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1.png","/consumer-proposal/consumer-proposal-1/","consumer-proposal-1",225,"2024-06-25 13:38:23",1074,{"thumbnail":99,"thumbnail-width":49,"thumbnail-height":49,"medium":100,"medium-width":101,"medium-height":51,"mediumLarge":102,"mediumLarge-width":54,"mediumLarge-height":103,"large":104,"large-width":105,"large-height":57,"1536x1536":92,"1536x1536-width":57,"1536x1536-height":97,"2048x2048":92,"2048x2048-width":57,"2048x2048-height":97,"gform-image-choice-sm":92,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":51,"gform-image-choice-md":92,"gform-image-choice-md-width":106,"gform-image-choice-md-height":62,"gform-image-choice-lg":92,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":64},"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","Federally Regulated Debt Relief Option","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a legally binding arrangement that allows you to settle a portion of your unsecured debts over time. In exchange, you receive protection from creditor actions like collection calls and lawsuits. This process is 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>, ensuring both debtors and creditors are treated fairly within a structured legal framework.\u003C/p>\n","bg-white","contained","4/12",{"desktop":116,"mobile":117},"imageContent","contentImage",{"desktop":119,"mobile":119},"left","base",false,[],"light",{"fieldGroupName":86,"image":125,"supertitleStyling":109,"supertitle":77,"badgeNumber":34,"heading":142,"text":143,"button":34,"anchorId":78,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":144,"textAlignment":145,"bodyTextSize":120,"showArrowBelow":121,"spacing":146,"buttonStyling":147},{"iD":126,"id":126,"title":127,"filename":128,"filesize":129,"url":130,"link":131,"alt":34,"author":35,"description":34,"caption":34,"name":132,"status":37,"uploadedTo":133,"date":134,"modified":135,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":57,"height":97,"sizes":136,"relativeUrl":141},2780,"Debt Counselling 2","Debt-Counselling-2.png",333992,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2.png","/debt-counselling/debt-counselling-2/","debt-counselling-2",373,"2024-06-27 14:56:33","2024-06-27 15:15:07",{"thumbnail":137,"thumbnail-width":49,"thumbnail-height":49,"medium":138,"medium-width":101,"medium-height":51,"mediumLarge":139,"mediumLarge-width":54,"mediumLarge-height":103,"large":140,"large-width":105,"large-height":57,"1536x1536":130,"1536x1536-width":57,"1536x1536-height":97,"2048x2048":130,"2048x2048-width":57,"2048x2048-height":97,"gform-image-choice-sm":130,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":51,"gform-image-choice-md":130,"gform-image-choice-md-width":106,"gform-image-choice-md-height":62,"gform-image-choice-lg":130,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":64},"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","The Role of a Licensed Insolvency Trustee in NB","\u003Cp>At Farber, our \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustees\u003C/a> will support you through every stage. From developing a manageable repayment plan to filing the proposal and handling communications with creditors, we ensure a seamless process and advocate for your financial recovery.\u003C/p>\n",{"desktop":117,"mobile":117},{"desktop":119,"mobile":119},[],"dark",{"fieldGroupName":149,"supertitle":34,"heading":150,"introText":34,"icons":151,"outroText":197,"button":34,"anchorId":81,"backgroundColor":198,"padding":199,"iconSize":202,"iconAlignment":203},"IconGrid","Key Benefits of a Consumer Proposal",[152,169,184],{"icon":153,"heading":167,"text":168},{"iD":154,"id":154,"title":155,"filename":156,"filesize":157,"url":158,"link":159,"alt":34,"author":35,"description":34,"caption":34,"name":155,"status":37,"uploadedTo":160,"date":161,"modified":161,"menuOrder":40,"mimeType":162,"type":42,"subtype":163,"icon":44,"width":164,"height":164,"sizes":165,"relativeUrl":166},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":158,"thumbnail-width":49,"thumbnail-height":49,"medium":158,"medium-width":51,"medium-height":51,"mediumLarge":158,"mediumLarge-width":54,"mediumLarge-height":54,"large":158,"large-width":57,"large-height":57,"1536x1536":158,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":158,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":158,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":158,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":158,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-low-price.svg","Avoid Bankruptcy in New Brunswick","With a consumer proposal, you can resolve your debt for less than you owe, while retaining your home, car, and other important assets. Avoid the drastic step of bankruptcy and regain control of your financial future.",{"icon":170,"heading":182,"text":183},{"iD":171,"id":171,"title":172,"filename":173,"filesize":174,"url":175,"link":176,"alt":34,"author":35,"description":34,"caption":34,"name":172,"status":37,"uploadedTo":177,"date":178,"modified":179,"menuOrder":40,"mimeType":162,"type":42,"subtype":163,"icon":44,"width":164,"height":164,"sizes":180,"relativeUrl":181},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/",457,"2024-06-24 15:00:14","2024-06-24 17:16:09",{"thumbnail":175,"thumbnail-width":49,"thumbnail-height":49,"medium":175,"medium-width":51,"medium-height":51,"mediumLarge":175,"mediumLarge-width":54,"mediumLarge-height":54,"large":175,"large-width":57,"large-height":57,"1536x1536":175,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":175,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":175,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":175,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":175,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Stop Collections & Garnishments","Once your proposal is filed, creditors must stop all collection activities, including wage garnishments and collection calls, giving you the peace of mind you deserve.",{"icon":185,"heading":195,"text":196},{"iD":186,"id":186,"title":187,"filename":188,"filesize":189,"url":190,"link":191,"alt":34,"author":35,"description":34,"caption":34,"name":187,"status":37,"uploadedTo":177,"date":192,"modified":179,"menuOrder":40,"mimeType":162,"type":42,"subtype":163,"icon":44,"width":164,"height":164,"sizes":193,"relativeUrl":194},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/","2024-06-24 14:59:57",{"thumbnail":190,"thumbnail-width":49,"thumbnail-height":49,"medium":190,"medium-width":51,"medium-height":51,"mediumLarge":190,"mediumLarge-width":54,"mediumLarge-height":54,"large":190,"large-width":57,"large-height":57,"1536x1536":190,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":190,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":190,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":190,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":190,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","Single Affordable Payment","Consolidate your debts into one manageable monthly payment that fits your budget. Our tailored approach helps ease your financial burden and makes your debt repayment process predictable and stress-free.","\u003Cp>Not sure if a consumer proposal is right for you? 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","bg-teal-lightest",[200,201],"top-padding","bottom-padding","96","middle",{"fieldGroupName":86,"image":205,"supertitleStyling":109,"supertitle":220,"badgeNumber":34,"heading":221,"text":222,"button":34,"anchorId":84,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":223,"textAlignment":224,"bodyTextSize":120,"showArrowBelow":121,"spacing":226,"buttonStyling":147},{"iD":206,"id":206,"title":207,"filename":208,"filesize":209,"url":210,"link":211,"alt":34,"author":35,"description":34,"caption":34,"name":212,"status":37,"uploadedTo":95,"date":213,"modified":213,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":57,"height":97,"sizes":214,"relativeUrl":219},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":215,"thumbnail-width":49,"thumbnail-height":49,"medium":216,"medium-width":101,"medium-height":51,"mediumLarge":217,"mediumLarge-width":54,"mediumLarge-height":103,"large":218,"large-width":105,"large-height":57,"1536x1536":210,"1536x1536-width":57,"1536x1536-height":97,"2048x2048":210,"2048x2048-width":57,"2048x2048-height":97,"gform-image-choice-sm":210,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":51,"gform-image-choice-md":210,"gform-image-choice-md-width":106,"gform-image-choice-md-height":62,"gform-image-choice-lg":210,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":64},"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","Do You Qualify for a Consumer Proposal in NB?","General Eligibility Requirements","\u003Cp>To qualify for a consumer proposal, you must owe less than $250,000 in unsecured debt (excluding your mortgage) and have a stable income to support monthly payments. It’s also worth considering how a \u003Ca class=\"text-teal\" href=\"/blog/how-a-consumer-proposal-can-impact-mortgage-renewal/\">consumer proposal might impact your mortgage renewal\u003C/a>, especially if you’re planning to refinance or buy a home in the future.\u003C/p>\n",{"desktop":116,"mobile":116},{"desktop":119,"mobile":225},"center",[],{"fieldGroupName":228,"heading":229,"text":230,"list":231,"button":34,"backgroundColor":112,"padding":240,"mobileColumns":241,"desktopColumns":242,"width":243},"SmallCheckmarkList","Types of Debt Covered","\u003Cp>A consumer proposal can cover a variety of unsecured debts—like credit cards, payday loans, and CRA tax debt. If you’re specifically dealing with tax-related issues, explore your \u003Ca class=\"text-teal\" href=\"/blog/cra-bankruptcy-or-consumer-proposal/\">CRA debt relief options.\u003C/a>\u003C/p>\n",[232,234,236,238],{"item":233},"Credit card balances",{"item":235},"Payday loans",{"item":237},"Personal loans",{"item":239},"Lines of credit",[201],"cols-1","auto","12/12",{"fieldGroupName":245,"introduction":246,"steps":252,"showArrows":19,"anchorId":34},"Steps",{"supertitle":247,"heading":248,"button":249},"Take the first step","The Consumer Proposal Process in New Brunswick",{"title":250,"url":251,"target":34},"Book a FREE consultation","/book-a-consultation",[253,266,280,292],{"icon":254,"text":265},{"iD":255,"id":255,"title":256,"filename":257,"filesize":258,"url":259,"link":260,"alt":34,"author":35,"description":34,"caption":34,"name":256,"status":37,"uploadedTo":160,"date":261,"modified":262,"menuOrder":40,"mimeType":162,"type":42,"subtype":163,"icon":44,"width":164,"height":164,"sizes":263,"relativeUrl":264},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":259,"thumbnail-width":49,"thumbnail-height":49,"medium":259,"medium-width":51,"medium-height":51,"mediumLarge":259,"mediumLarge-width":54,"mediumLarge-height":54,"large":259,"large-width":57,"large-height":57,"1536x1536":259,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":259,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":259,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":259,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":259,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-connected-people.svg","Discuss your financial situation with a New Brunswick Licensed Insolvency Trustee and explore your options without any obligation.",{"icon":267,"text":279},{"iD":268,"id":268,"title":269,"filename":270,"filesize":271,"url":272,"link":273,"alt":34,"author":35,"description":34,"caption":34,"name":269,"status":37,"uploadedTo":274,"date":275,"modified":276,"menuOrder":40,"mimeType":162,"type":42,"subtype":163,"icon":44,"width":164,"height":164,"sizes":277,"relativeUrl":278},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":272,"thumbnail-width":49,"thumbnail-height":49,"medium":272,"medium-width":51,"medium-height":51,"mediumLarge":272,"mediumLarge-width":54,"mediumLarge-height":54,"large":272,"large-width":57,"large-height":57,"1536x1536":272,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":272,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":272,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":272,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":272,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-document.svg","We create a tailored debt repayment plan that satisfies your creditors and file it with the Office of the Superintendent of Bankruptcy Canada.",{"icon":281,"text":291},{"iD":282,"id":282,"title":283,"filename":284,"filesize":285,"url":286,"link":287,"alt":34,"author":35,"description":34,"caption":34,"name":283,"status":37,"uploadedTo":274,"date":288,"modified":276,"menuOrder":40,"mimeType":162,"type":42,"subtype":163,"icon":44,"width":164,"height":164,"sizes":289,"relativeUrl":290},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":286,"thumbnail-width":49,"thumbnail-height":49,"medium":286,"medium-width":51,"medium-height":51,"mediumLarge":286,"mediumLarge-width":54,"mediumLarge-height":54,"large":286,"large-width":57,"large-height":57,"1536x1536":286,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":286,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":286,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":286,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":286,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-schedule.svg","Creditors have 45 days to vote. If the majority (by debt value) accept, the proposal becomes legally binding. But if your consumer proposal is rejected, there are still options to consider—including modifications or alternative debt solutions.",{"icon":293,"text":305},{"iD":294,"id":294,"title":295,"filename":296,"filesize":297,"url":298,"link":299,"alt":34,"author":35,"description":34,"caption":34,"name":295,"status":37,"uploadedTo":300,"date":301,"modified":302,"menuOrder":40,"mimeType":162,"type":42,"subtype":163,"icon":44,"width":164,"height":164,"sizes":303,"relativeUrl":304},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":298,"thumbnail-width":49,"thumbnail-height":49,"medium":298,"medium-width":51,"medium-height":51,"mediumLarge":298,"mediumLarge-width":54,"mediumLarge-height":54,"large":298,"large-width":57,"large-height":57,"1536x1536":298,"1536x1536-width":164,"1536x1536-height":164,"2048x2048":298,"2048x2048-width":164,"2048x2048-height":164,"gform-image-choice-sm":298,"gform-image-choice-sm-width":164,"gform-image-choice-sm-height":164,"gform-image-choice-md":298,"gform-image-choice-md-width":164,"gform-image-choice-md-height":164,"gform-image-choice-lg":298,"gform-image-choice-lg-width":164,"gform-image-choice-lg-height":164},"/wp-content/uploads/2024/06/icons8-card-payment.svg","Once accepted, begin making your monthly payments and receive legal protection from creditors. As part of the process, you’ll also complete two mandatory financial counselling sessions to help you build better money habits. After completing the payment terms and both sessions, the remaining debt is forgiven.",{"fieldGroupName":149,"supertitle":34,"heading":307,"introText":34,"icons":308,"outroText":34,"button":34,"anchorId":34,"backgroundColor":198,"padding":333,"iconSize":334,"iconAlignment":335},"Why Choose Farber in New Brunswick?",[309,323,328],{"icon":310,"heading":321,"text":322},{"iD":311,"id":311,"title":312,"filename":313,"filesize":314,"url":315,"link":316,"alt":34,"author":35,"description":34,"caption":34,"name":312,"status":37,"uploadedTo":274,"date":317,"modified":317,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":318,"height":318,"sizes":319,"relativeUrl":320},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":315,"thumbnail-width":318,"thumbnail-height":318,"medium":315,"medium-width":318,"medium-height":318,"mediumLarge":315,"mediumLarge-width":318,"mediumLarge-height":318,"large":315,"large-width":318,"large-height":318,"1536x1536":315,"1536x1536-width":318,"1536x1536-height":318,"2048x2048":315,"2048x2048-width":318,"2048x2048-height":318,"gform-image-choice-sm":315,"gform-image-choice-sm-width":318,"gform-image-choice-sm-height":318,"gform-image-choice-md":315,"gform-image-choice-md-width":318,"gform-image-choice-md-height":318,"gform-image-choice-lg":315,"gform-image-choice-lg-width":318,"gform-image-choice-lg-height":318},"/wp-content/uploads/2024/07/check-circle.png","Local Experts Across the Province","Whether you're in Saint John, Moncton, our team offers personalized debt help through secure virtual consultations — making it easy to get expert support from the comfort of your home.",{"icon":324,"heading":326,"text":327},{"iD":311,"id":311,"title":312,"filename":313,"filesize":314,"url":315,"link":316,"alt":34,"author":35,"description":34,"caption":34,"name":312,"status":37,"uploadedTo":274,"date":317,"modified":317,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":318,"height":318,"sizes":325,"relativeUrl":320},{"thumbnail":315,"thumbnail-width":318,"thumbnail-height":318,"medium":315,"medium-width":318,"medium-height":318,"mediumLarge":315,"mediumLarge-width":318,"mediumLarge-height":318,"large":315,"large-width":318,"large-height":318,"1536x1536":315,"1536x1536-width":318,"1536x1536-height":318,"2048x2048":315,"2048x2048-width":318,"2048x2048-height":318,"gform-image-choice-sm":315,"gform-image-choice-sm-width":318,"gform-image-choice-sm-height":318,"gform-image-choice-md":315,"gform-image-choice-md-width":318,"gform-image-choice-md-height":318,"gform-image-choice-lg":315,"gform-image-choice-lg-width":318,"gform-image-choice-lg-height":318},"Government-Licensed Professionals","Our Licensed Insolvency Trustees are federally certified, ensuring you receive professional guidance and trustworthy advice.",{"icon":329,"heading":331,"text":332},{"iD":311,"id":311,"title":312,"filename":313,"filesize":314,"url":315,"link":316,"alt":34,"author":35,"description":34,"caption":34,"name":312,"status":37,"uploadedTo":274,"date":317,"modified":317,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":318,"height":318,"sizes":330,"relativeUrl":320},{"thumbnail":315,"thumbnail-width":318,"thumbnail-height":318,"medium":315,"medium-width":318,"medium-height":318,"mediumLarge":315,"mediumLarge-width":318,"mediumLarge-height":318,"large":315,"large-width":318,"large-height":318,"1536x1536":315,"1536x1536-width":318,"1536x1536-height":318,"2048x2048":315,"2048x2048-width":318,"2048x2048-height":318,"gform-image-choice-sm":315,"gform-image-choice-sm-width":318,"gform-image-choice-sm-height":318,"gform-image-choice-md":315,"gform-image-choice-md-width":318,"gform-image-choice-md-height":318,"gform-image-choice-lg":315,"gform-image-choice-lg-width":318,"gform-image-choice-lg-height":318},"Proven Track Record","Since 1979, Farber has helped thousands of Canadians—including many in New Brunswick—find lasting solutions for their debt problems.",[200,201],"48","top",{"fieldGroupName":337,"reviews":338,"showTrustpilotSummaryLink":19,"anchorId":34,"backgroundColor":198,"padding":352},"ReviewSliderManualEntry",[339,344,348],{"url":340,"stars":341,"text":342,"name":343},"https://ca.trustpilot.com/reviews/67f584f3fa22c7be84a7549b","5","Five whole years later and I still have the same feelings:\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\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\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\nSpecial thanks to: Pamela, Kim, Elisha, Taghreed, Beth, Lambert and Greg. You are all amazing!","Kyle",{"url":345,"stars":341,"text":346,"name":347},"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":349,"stars":341,"text":350,"name":351},"https://ca.trustpilot.com/users/6845e998f0e9f315546890ae","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.",[201],{"fieldGroupName":354,"anchorId":34,"layout":355,"form":356,"heading":34,"content":34,"hideContentOnMobile":121,"backgroundColor":112},"FormEmbed","1-col",{"ID":357,"post_author":35,"post_date":358,"post_date_gmt":359,"post_content":360,"post_title":361,"post_excerpt":34,"post_status":10,"comment_status":362,"ping_status":362,"post_password":34,"post_name":363,"to_ping":34,"pinged":34,"post_modified":364,"post_modified_gmt":365,"post_content_filtered":34,"post_parent":40,"guid":366,"menu_order":40,"post_type":367,"post_mime_type":34,"comment_count":368,"filter":369},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":371,"introduction":372,"type":375,"accordions":121,"faqs":376,"button":409,"enableSeoSchema":19,"anchorId":412},"FaqAccordion",{"supertitle":34,"heading":373,"text":374},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[377,385,393,401],{"ID":378,"post_author":35,"post_date":379,"post_date_gmt":380,"post_content":381,"post_title":382,"post_excerpt":34,"post_status":10,"comment_status":362,"ping_status":362,"post_password":34,"post_name":383,"to_ping":34,"pinged":34,"post_modified":379,"post_modified_gmt":380,"post_content_filtered":34,"post_parent":40,"guid":384,"menu_order":40,"post_type":375,"post_mime_type":34,"comment_count":368,"filter":369},4167,"2025-07-16 09:46:20","2025-07-16 13:46:20","A consumer proposal stays on your credit report for up to 3 years after completion. 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This restriction helps you regain control of your finances and avoid taking on additional debt.","Can I still use credit during the proposal?","can-i-still-use-credit-during-the-proposal","https://prod-wp.farber.ca/?post_type=faq&p=4168",{"ID":394,"post_author":35,"post_date":395,"post_date_gmt":396,"post_content":397,"post_title":398,"post_excerpt":34,"post_status":10,"comment_status":362,"ping_status":362,"post_password":34,"post_name":399,"to_ping":34,"pinged":34,"post_modified":395,"post_modified_gmt":396,"post_content_filtered":34,"post_parent":40,"guid":400,"menu_order":40,"post_type":375,"post_mime_type":34,"comment_count":368,"filter":369},4169,"2025-07-16 09:47:43","2025-07-16 13:47:43","If you miss three consecutive payments, your \u003Ca href=\"/blog/annulled-consumer-proposal\">consumer proposal may be annulled,\u003C/a> and creditors can resume collection actions. 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