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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\":\"A Legally Binding Debt Settlement Option\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a formal, legally binding agreement that helps you settle your unsecured debts for less than what you owe \\u2014 without the need for bankruptcy. Administered by a \u003Ca class=\\\"text-teal\\\" href=\\\"\\/why-a-licensed-insolvency-trustee\\/\\\">Licensed Insolvency Trustee (LIT),\u003C\\/a> this process is governed by Canadian federal law and overseen by the \u003Ca class=\\\"text-teal\\\" href=\\\"https:\\/\\/ised-isde.canada.ca\\/site\\/office-superintendent-bankruptcy\\/en\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Office of the Superintendent of Bankruptcy Canada.\u003C\\/a>\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"what-is-a-consumer-proposal\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"contentImage\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"left\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"light\"},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":2780,\"id\":2780,\"title\":\"Debt Counselling 2\",\"filename\":\"Debt-Counselling-2.png\",\"filesize\":333992,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"link\":\"\\/debt-counselling\\/debt-counselling-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"debt-counselling-2\",\"status\":\"inherit\",\"uploadedTo\":373,\"date\":\"2024-06-27 14:56:33\",\"modified\":\"2024-06-27 15:15:07\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1024,\"height\":1074,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"gform-image-choice-sm-width\":286,\"gform-image-choice-sm-height\":300,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"gform-image-choice-md-width\":381,\"gform-image-choice-md-height\":400,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Debt-Counselling-2.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"\",\"badgeNumber\":\"\",\"heading\":\"Government-Regulated Debt Help\",\"text\":\"\u003Cp>At Farber, our federally Licensed Insolvency Trustees manage the entire consumer proposal process, from creating your repayment plan to negotiating with creditors. We ensure that the process is secure, transparent, and straightforward \\u2014 with no upfront fees or hidden costs.\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 Advantages of a Consumer Proposal\",\"introText\":\"\",\"icons\":[{\"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 & Lawsuits\",\"text\":\"Once your consumer proposal is filed, all collection activity stops. This includes halting interest charges, collection calls, wage garnishments, and lawsuits.\"},{\"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 all your eligible debts into one fixed monthly payment based on what you can afford, making it easier to manage your finances.\"},{\"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\":\"Unlike bankruptcy, you get to keep your home, vehicle, and RRSPs when you file a consumer proposal, offering you peace of mind.\"}],\"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. 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20:53:14\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1024,\"height\":1074,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-sm-width\":286,\"gform-image-choice-sm-height\":300,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-md-width\":381,\"gform-image-choice-md-height\":400,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"Are You Eligible for a Consumer Proposal in NL?\",\"badgeNumber\":\"\",\"heading\":\"Basic Eligibility Requirements\",\"text\":\"\u003Cp>\u003Cstrong>You may qualify if you meet these criteria:\u003C\\/strong>\u003C\\/p>\\n\u003Cp>\\u25cf\\u00a0\\u00a0\\u00a0\\u00a0 You owe less than $250,000 in unsecured debt (excluding your mortgage).\u003C\\/p>\\n\u003Cp>\\u25cf\\u00a0\\u00a0\\u00a0\\u00a0 You are unable to repay your debts in full.\u003C\\/p>\\n\u003Cp>\\u25cf\\u00a0\\u00a0\\u00a0\\u00a0 You have a stable source of income.\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\":\"Common Debts That Can Be Included\",\"text\":\"\",\"list\":[{\"item\":\"Credit card balances\"},{\"item\":\"CRA and tax debts\"},{\"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 Newfoundland and Labrador\",\"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\":\"Start with a confidential consultation with a Farber trustee in Newfoundland and Labrador, available online, by phone, or in person.\"},{\"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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team works with you to craft a personalized repayment plan based on your financial situation and files it with the federal government.\"},{\"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 creditors will have 45 days to vote on the proposal. If creditors holding the majority of your debt agree, the proposal becomes legally binding.\"},{\"icon\":{\"iD\":2724,\"id\":2724,\"title\":\"icons8-card-payment\",\"filename\":\"icons8-card-payment.svg\",\"filesize\":2524,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"link\":\"\\/what-you-need-to-know\\/icons8-card-payment\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-card-payment\",\"status\":\"inherit\",\"uploadedTo\":377,\"date\":\"2024-06-24 14:59:53\",\"modified\":\"2024-06-24 17:15:37\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-card-payment.svg\"},\"text\":\"Once approved, you\\u2019ll begin interest-free monthly payments. As you make your payments, you\\u2019ll also start rebuilding your credit for a better financial future.\"}],\"showArrows\":true,\"anchorId\":\"\"},{\"fieldGroupName\":\"OptionsCallOut\",\"heading\":\"Still weighing your options?\",\"text\":\"\u003Cp style=\\\"text-align: center;\\\">\u003Ca href=\\\"\\/blog\\/pros-and-cons-of-filing-a-consumer-proposal\\/\\\">Learn more about the pros and cons of filing a consumer proposal \u003C\\/a>so you can make the most informed decision for your financial future.\u003C\\/p>\\n\",\"anchorId\":\"\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Work with Farber in NL?\",\"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 Professionals\",\"text\":\"Whether you're in St. John\\u2019s or other communities across Newfoundland and Labrador, our team understands the unique challenges locals face. We\\u2019re here to help.\"},{\"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\":\"No Judgment, Just Solutions\",\"text\":\"We provide a compassionate, non-judgmental approach. Whether you're ready to file or just exploring your options. \"},{\"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 by the Federal Government\",\"text\":\"With over 45 years of experience, Farber is a trusted name in debt relief, helping Canadians resolve their financial challenges since 1979.\"}],\"outroText\":\"\",\"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\\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\"}],\"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\":4174,\"post_author\":\"6\",\"post_date\":\"2025-07-16 10:24:37\",\"post_date_gmt\":\"2025-07-16 14:24:37\",\"post_content\":\"Yes, once your consumer proposal is filed, all collection activities will cease. This includes stopping interest charges, collection calls, wage garnishments, and lawsuits.\",\"post_title\":\"Will creditors stop contacting me?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-creditors-stop-contacting-me\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 10:24:37\",\"post_modified_gmt\":\"2025-07-16 14:24:37\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4174\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4175,\"post_author\":\"6\",\"post_date\":\"2025-07-16 10:25:08\",\"post_date_gmt\":\"2025-07-16 14:25:08\",\"post_content\":\"Yes, CRA debts like income tax or GST\\/HST arrears can be included in your consumer proposal, helping you manage outstanding government obligations alongside other unsecured debts.\",\"post_title\":\"Can I include government debts?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-include-government-debts\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 10:25:08\",\"post_modified_gmt\":\"2025-07-16 14:25:08\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4175\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4176,\"post_author\":\"6\",\"post_date\":\"2025-07-16 10:25:40\",\"post_date_gmt\":\"2025-07-16 14:25:40\",\"post_content\":\"Filing a consumer proposal will result in an R7 credit rating, which remains on your credit report for up to 3 years after completion. While it does impact your credit, it\\u2019s less severe than bankruptcy and offers the protection of the \u003Ca href=\\\"https:\\/\\/laws-lois.justice.gc.ca\\/eng\\/acts\\/B-3\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Bankruptcy and Insolvency Act\u003C\\/a>, unlike informal debt solutions.\",\"post_title\":\"Does a proposal affect my credit?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"does-a-proposal-affect-my-credit\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 10:25:40\",\"post_modified_gmt\":\"2025-07-16 14:25:40\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4176\",\"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 NL Locations\",\"text\":\"\u003Cp style=\\\"text-align: center;\\\">Debt Solutions & Consumer Proposals in\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"St. John's, NL\",\"url\":\"\\/locations\\/st-johns\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"}]",{"pageNavigation":13},"default",{"title":15,"fullHead":16,"metaRobotsNoindex":17,"metaRobotsNofollow":18},"Consumer Proposal NL","\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Reduce debt with a consumer proposal in Newfoundland & Labrador. Book a free consultation with Farber’s Licensed Insolvency Trustees today.\" />\n\u003Clink rel=\"canonical\" href=\"/consumer-proposal/newfoundland-and-labrador/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Consumer Proposal NL\" />\n\u003Cmeta property=\"og:description\" content=\"Reduce debt with a consumer proposal in Newfoundland & Labrador. 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It must be filed through a Licensed Insolvency Trustee (LIT), like our team.",{"iD":29,"id":29,"title":30,"filename":31,"filesize":32,"url":33,"link":34,"alt":35,"author":36,"description":35,"caption":35,"name":37,"status":38,"uploadedTo":39,"date":40,"modified":41,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":47,"height":48,"sizes":49,"relativeUrl":68},2798,"Careers","Careers.png",586357,"https://www.farber.ca/wp-content/uploads/2024/06/Careers.png","/careers/careers-3/","","6","careers-3","inherit",3018,"2024-06-27 14:58:04","2024-07-05 19:23:21",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":50,"thumbnail-width":51,"thumbnail-height":51,"medium":52,"medium-width":53,"medium-height":54,"mediumLarge":55,"mediumLarge-width":56,"mediumLarge-height":57,"large":58,"large-width":59,"large-height":60,"1536x1536":61,"1536x1536-width":62,"1536x1536-height":63,"2048x2048":33,"2048x2048-width":47,"2048x2048-height":48,"gform-image-choice-sm":33,"gform-image-choice-sm-width":53,"gform-image-choice-sm-height":54,"gform-image-choice-md":33,"gform-image-choice-md-width":64,"gform-image-choice-md-height":65,"gform-image-choice-lg":33,"gform-image-choice-lg-width":66,"gform-image-choice-lg-height":67},"https://www.farber.ca/wp-content/uploads/2024/06/Careers-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/06/Careers-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/06/Careers-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/06/Careers-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/06/Careers-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/06/Careers.png","bg-gold-lightest",[],{"fieldGroupName":72,"heading":73,"anchors":74},"AnchorLinks","On this page",[75,78,81,84],{"title":76,"anchorId":77},"What is a consumer proposal?","what-is-a-consumer-proposal",{"title":79,"anchorId":80},"Getting started","getting-started",{"title":82,"anchorId":83},"Benefits","benefits",{"title":85,"anchorId":86},"Eligibility","eligibility",{"fieldGroupName":88,"image":89,"supertitleStyling":111,"supertitle":76,"badgeNumber":35,"heading":112,"text":113,"button":35,"anchorId":77,"backgroundColor":114,"imageContainer":115,"imageSize":116,"layout":117,"textAlignment":120,"bodyTextSize":122,"showArrowBelow":123,"spacing":124,"buttonStyling":125},"ImageTextBanner",{"iD":90,"id":90,"title":91,"filename":92,"filesize":93,"url":94,"link":95,"alt":35,"author":36,"description":35,"caption":35,"name":96,"status":38,"uploadedTo":97,"date":98,"modified":98,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":99,"sizes":100,"relativeUrl":110},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":101,"thumbnail-width":51,"thumbnail-height":51,"medium":102,"medium-width":103,"medium-height":53,"mediumLarge":104,"mediumLarge-width":56,"mediumLarge-height":105,"large":106,"large-width":107,"large-height":59,"1536x1536":94,"1536x1536-width":59,"1536x1536-height":99,"2048x2048":94,"2048x2048-width":59,"2048x2048-height":99,"gform-image-choice-sm":94,"gform-image-choice-sm-width":103,"gform-image-choice-sm-height":53,"gform-image-choice-md":94,"gform-image-choice-md-width":108,"gform-image-choice-md-height":64,"gform-image-choice-lg":94,"gform-image-choice-lg-width":109,"gform-image-choice-lg-height":66},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-286x300.png",286,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-768x806.png",806,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-976x1024.png",976,381,572,"/wp-content/uploads/2024/06/Consumer-Proposal-1.png","regular","A Legally Binding Debt Settlement Option","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a formal, legally binding agreement that helps you settle your unsecured debts for less than what you owe — without the need for bankruptcy. Administered by a \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustee (LIT),\u003C/a> this process is governed by Canadian federal law and overseen by the \u003Ca class=\"text-teal\" href=\"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en\" target=\"_blank\" rel=\"noopener\">Office of the Superintendent of Bankruptcy Canada.\u003C/a>\u003C/p>\n","bg-white","contained","4/12",{"desktop":118,"mobile":119},"imageContent","contentImage",{"desktop":121,"mobile":121},"left","base",false,[],"light",{"fieldGroupName":88,"image":127,"supertitleStyling":111,"supertitle":35,"badgeNumber":35,"heading":144,"text":145,"button":35,"anchorId":80,"backgroundColor":114,"imageContainer":115,"imageSize":116,"layout":146,"textAlignment":147,"bodyTextSize":122,"showArrowBelow":123,"spacing":148,"buttonStyling":149},{"iD":128,"id":128,"title":129,"filename":130,"filesize":131,"url":132,"link":133,"alt":35,"author":36,"description":35,"caption":35,"name":134,"status":38,"uploadedTo":135,"date":136,"modified":137,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":99,"sizes":138,"relativeUrl":143},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":139,"thumbnail-width":51,"thumbnail-height":51,"medium":140,"medium-width":103,"medium-height":53,"mediumLarge":141,"mediumLarge-width":56,"mediumLarge-height":105,"large":142,"large-width":107,"large-height":59,"1536x1536":132,"1536x1536-width":59,"1536x1536-height":99,"2048x2048":132,"2048x2048-width":59,"2048x2048-height":99,"gform-image-choice-sm":132,"gform-image-choice-sm-width":103,"gform-image-choice-sm-height":53,"gform-image-choice-md":132,"gform-image-choice-md-width":108,"gform-image-choice-md-height":64,"gform-image-choice-lg":132,"gform-image-choice-lg-width":109,"gform-image-choice-lg-height":66},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-976x1024.png","/wp-content/uploads/2024/06/Debt-Counselling-2.png","Government-Regulated Debt Help","\u003Cp>At Farber, our federally Licensed Insolvency Trustees manage the entire consumer proposal process, from creating your repayment plan to negotiating with creditors. We ensure that the process is secure, transparent, and straightforward — with no upfront fees or hidden costs.\u003C/p>\n",{"desktop":119,"mobile":119},{"desktop":121,"mobile":121},[],"dark",{"fieldGroupName":151,"supertitle":35,"heading":152,"introText":35,"icons":153,"outroText":200,"button":35,"anchorId":83,"backgroundColor":201,"padding":202,"iconSize":205,"iconAlignment":206},"IconGrid","Key Advantages of a Consumer Proposal",[154,172,185],{"icon":155,"heading":170,"text":171},{"iD":156,"id":156,"title":157,"filename":158,"filesize":159,"url":160,"link":161,"alt":35,"author":36,"description":35,"caption":35,"name":157,"status":38,"uploadedTo":162,"date":163,"modified":164,"menuOrder":42,"mimeType":165,"type":44,"subtype":166,"icon":46,"width":167,"height":167,"sizes":168,"relativeUrl":169},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","image/svg+xml","svg+xml",96,{"thumbnail":160,"thumbnail-width":51,"thumbnail-height":51,"medium":160,"medium-width":53,"medium-height":53,"mediumLarge":160,"mediumLarge-width":56,"mediumLarge-height":56,"large":160,"large-width":59,"large-height":59,"1536x1536":160,"1536x1536-width":167,"1536x1536-height":167,"2048x2048":160,"2048x2048-width":167,"2048x2048-height":167,"gform-image-choice-sm":160,"gform-image-choice-sm-width":167,"gform-image-choice-sm-height":167,"gform-image-choice-md":160,"gform-image-choice-md-width":167,"gform-image-choice-md-height":167,"gform-image-choice-lg":160,"gform-image-choice-lg-width":167,"gform-image-choice-lg-height":167},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Stop Collections & Lawsuits","Once your consumer proposal is filed, all collection activity stops. This includes halting interest charges, collection calls, wage garnishments, and lawsuits.",{"icon":173,"heading":183,"text":184},{"iD":174,"id":174,"title":175,"filename":176,"filesize":177,"url":178,"link":179,"alt":35,"author":36,"description":35,"caption":35,"name":175,"status":38,"uploadedTo":162,"date":180,"modified":164,"menuOrder":42,"mimeType":165,"type":44,"subtype":166,"icon":46,"width":167,"height":167,"sizes":181,"relativeUrl":182},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":178,"thumbnail-width":51,"thumbnail-height":51,"medium":178,"medium-width":53,"medium-height":53,"mediumLarge":178,"mediumLarge-width":56,"mediumLarge-height":56,"large":178,"large-width":59,"large-height":59,"1536x1536":178,"1536x1536-width":167,"1536x1536-height":167,"2048x2048":178,"2048x2048-width":167,"2048x2048-height":167,"gform-image-choice-sm":178,"gform-image-choice-sm-width":167,"gform-image-choice-sm-height":167,"gform-image-choice-md":178,"gform-image-choice-md-width":167,"gform-image-choice-md-height":167,"gform-image-choice-lg":178,"gform-image-choice-lg-width":167,"gform-image-choice-lg-height":167},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","One Affordable Monthly Payment","We’ll consolidate all your eligible debts into one fixed monthly payment based on what you can afford, making it easier to manage your finances.",{"icon":186,"heading":198,"text":199},{"iD":187,"id":187,"title":188,"filename":189,"filesize":190,"url":191,"link":192,"alt":35,"author":36,"description":35,"caption":35,"name":188,"status":38,"uploadedTo":193,"date":194,"modified":195,"menuOrder":42,"mimeType":165,"type":44,"subtype":166,"icon":46,"width":167,"height":167,"sizes":196,"relativeUrl":197},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":191,"thumbnail-width":51,"thumbnail-height":51,"medium":191,"medium-width":53,"medium-height":53,"mediumLarge":191,"mediumLarge-width":56,"mediumLarge-height":56,"large":191,"large-width":59,"large-height":59,"1536x1536":191,"1536x1536-width":167,"1536x1536-height":167,"2048x2048":191,"2048x2048-width":167,"2048x2048-height":167,"gform-image-choice-sm":191,"gform-image-choice-sm-width":167,"gform-image-choice-sm-height":167,"gform-image-choice-md":191,"gform-image-choice-md-width":167,"gform-image-choice-md-height":167,"gform-image-choice-lg":191,"gform-image-choice-lg-width":167,"gform-image-choice-lg-height":167},"/wp-content/uploads/2024/06/icons8-money-box.svg","Keep Your Assets","Unlike bankruptcy, you get to keep your home, vehicle, and RRSPs when you file a consumer proposal, offering you peace of mind.","\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",[203,204],"top-padding","bottom-padding","96","middle",{"fieldGroupName":88,"image":208,"supertitleStyling":111,"supertitle":223,"badgeNumber":35,"heading":224,"text":225,"button":35,"anchorId":86,"backgroundColor":114,"imageContainer":115,"imageSize":116,"layout":226,"textAlignment":227,"bodyTextSize":122,"showArrowBelow":123,"spacing":229,"buttonStyling":149},{"iD":209,"id":209,"title":210,"filename":211,"filesize":212,"url":213,"link":214,"alt":35,"author":36,"description":35,"caption":35,"name":215,"status":38,"uploadedTo":97,"date":216,"modified":216,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":99,"sizes":217,"relativeUrl":222},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":218,"thumbnail-width":51,"thumbnail-height":51,"medium":219,"medium-width":103,"medium-height":53,"mediumLarge":220,"mediumLarge-width":56,"mediumLarge-height":105,"large":221,"large-width":107,"large-height":59,"1536x1536":213,"1536x1536-width":59,"1536x1536-height":99,"2048x2048":213,"2048x2048-width":59,"2048x2048-height":99,"gform-image-choice-sm":213,"gform-image-choice-sm-width":103,"gform-image-choice-sm-height":53,"gform-image-choice-md":213,"gform-image-choice-md-width":108,"gform-image-choice-md-height":64,"gform-image-choice-lg":213,"gform-image-choice-lg-width":109,"gform-image-choice-lg-height":66},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-976x1024.png","/wp-content/uploads/2024/06/Consumer-Proposal-2-1.png","Are You Eligible for a Consumer Proposal in NL?","Basic Eligibility Requirements","\u003Cp>\u003Cstrong>You may qualify if you meet these criteria:\u003C/strong>\u003C/p>\n\u003Cp>●     You owe less than $250,000 in unsecured debt (excluding your mortgage).\u003C/p>\n\u003Cp>●     You are unable to repay your debts in full.\u003C/p>\n\u003Cp>●     You have a stable source of income.\u003C/p>\n",{"desktop":118,"mobile":118},{"desktop":121,"mobile":228},"center",[],{"fieldGroupName":231,"heading":232,"text":35,"list":233,"button":35,"backgroundColor":114,"padding":244,"mobileColumns":245,"desktopColumns":246,"width":247},"SmallCheckmarkList","Common Debts That Can Be Included",[234,236,238,240,242],{"item":235},"Credit card balances",{"item":237},"CRA and tax debts",{"item":239},"Payday loans",{"item":241},"Personal loans",{"item":243},"Lines of credit",[204],"cols-1","auto","12/12",{"fieldGroupName":249,"introduction":250,"steps":256,"showArrows":20,"anchorId":35},"Steps",{"supertitle":251,"heading":252,"button":253},"Take the first step","The Consumer Proposal Process in Newfoundland and Labrador",{"title":254,"url":255,"target":35},"Book a FREE consultation","/book-a-consultation",[257,271,285,297],{"icon":258,"text":270},{"iD":259,"id":259,"title":260,"filename":261,"filesize":262,"url":263,"link":264,"alt":35,"author":36,"description":35,"caption":35,"name":260,"status":38,"uploadedTo":265,"date":266,"modified":267,"menuOrder":42,"mimeType":165,"type":44,"subtype":166,"icon":46,"width":167,"height":167,"sizes":268,"relativeUrl":269},2721,"icons8-connected-people","icons8-connected-people.svg",2023,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-connected-people.svg","/?attachment_id=2721",348,"2024-06-24 14:59:50","2024-06-24 16:54:55",{"thumbnail":263,"thumbnail-width":51,"thumbnail-height":51,"medium":263,"medium-width":53,"medium-height":53,"mediumLarge":263,"mediumLarge-width":56,"mediumLarge-height":56,"large":263,"large-width":59,"large-height":59,"1536x1536":263,"1536x1536-width":167,"1536x1536-height":167,"2048x2048":263,"2048x2048-width":167,"2048x2048-height":167,"gform-image-choice-sm":263,"gform-image-choice-sm-width":167,"gform-image-choice-sm-height":167,"gform-image-choice-md":263,"gform-image-choice-md-width":167,"gform-image-choice-md-height":167,"gform-image-choice-lg":263,"gform-image-choice-lg-width":167,"gform-image-choice-lg-height":167},"/wp-content/uploads/2024/06/icons8-connected-people.svg","Start with a confidential consultation with a Farber trustee in Newfoundland and Labrador, available online, by phone, or in person.",{"icon":272,"text":284},{"iD":273,"id":273,"title":274,"filename":275,"filesize":276,"url":277,"link":278,"alt":35,"author":36,"description":35,"caption":35,"name":274,"status":38,"uploadedTo":279,"date":280,"modified":281,"menuOrder":42,"mimeType":165,"type":44,"subtype":166,"icon":46,"width":167,"height":167,"sizes":282,"relativeUrl":283},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":277,"thumbnail-width":51,"thumbnail-height":51,"medium":277,"medium-width":53,"medium-height":53,"mediumLarge":277,"mediumLarge-width":56,"mediumLarge-height":56,"large":277,"large-width":59,"large-height":59,"1536x1536":277,"1536x1536-width":167,"1536x1536-height":167,"2048x2048":277,"2048x2048-width":167,"2048x2048-height":167,"gform-image-choice-sm":277,"gform-image-choice-sm-width":167,"gform-image-choice-sm-height":167,"gform-image-choice-md":277,"gform-image-choice-md-width":167,"gform-image-choice-md-height":167,"gform-image-choice-lg":277,"gform-image-choice-lg-width":167,"gform-image-choice-lg-height":167},"/wp-content/uploads/2024/06/icons8-document.svg","Our team works with you to craft a personalized repayment plan based on your financial situation and files it with the federal government.",{"icon":286,"text":296},{"iD":287,"id":287,"title":288,"filename":289,"filesize":290,"url":291,"link":292,"alt":35,"author":36,"description":35,"caption":35,"name":288,"status":38,"uploadedTo":279,"date":293,"modified":281,"menuOrder":42,"mimeType":165,"type":44,"subtype":166,"icon":46,"width":167,"height":167,"sizes":294,"relativeUrl":295},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":291,"thumbnail-width":51,"thumbnail-height":51,"medium":291,"medium-width":53,"medium-height":53,"mediumLarge":291,"mediumLarge-width":56,"mediumLarge-height":56,"large":291,"large-width":59,"large-height":59,"1536x1536":291,"1536x1536-width":167,"1536x1536-height":167,"2048x2048":291,"2048x2048-width":167,"2048x2048-height":167,"gform-image-choice-sm":291,"gform-image-choice-sm-width":167,"gform-image-choice-sm-height":167,"gform-image-choice-md":291,"gform-image-choice-md-width":167,"gform-image-choice-md-height":167,"gform-image-choice-lg":291,"gform-image-choice-lg-width":167,"gform-image-choice-lg-height":167},"/wp-content/uploads/2024/06/icons8-schedule.svg","Your creditors will have 45 days to vote on the proposal. If creditors holding the majority of your debt agree, the proposal becomes legally binding.",{"icon":298,"text":308},{"iD":299,"id":299,"title":300,"filename":301,"filesize":302,"url":303,"link":304,"alt":35,"author":36,"description":35,"caption":35,"name":300,"status":38,"uploadedTo":193,"date":305,"modified":195,"menuOrder":42,"mimeType":165,"type":44,"subtype":166,"icon":46,"width":167,"height":167,"sizes":306,"relativeUrl":307},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":303,"thumbnail-width":51,"thumbnail-height":51,"medium":303,"medium-width":53,"medium-height":53,"mediumLarge":303,"mediumLarge-width":56,"mediumLarge-height":56,"large":303,"large-width":59,"large-height":59,"1536x1536":303,"1536x1536-width":167,"1536x1536-height":167,"2048x2048":303,"2048x2048-width":167,"2048x2048-height":167,"gform-image-choice-sm":303,"gform-image-choice-sm-width":167,"gform-image-choice-sm-height":167,"gform-image-choice-md":303,"gform-image-choice-md-width":167,"gform-image-choice-md-height":167,"gform-image-choice-lg":303,"gform-image-choice-lg-width":167,"gform-image-choice-lg-height":167},"/wp-content/uploads/2024/06/icons8-card-payment.svg","Once approved, you’ll begin interest-free monthly payments. As you make your payments, you’ll also start rebuilding your credit for a better financial future.",{"fieldGroupName":310,"heading":311,"text":312,"anchorId":35},"OptionsCallOut","Still weighing your options?","\u003Cp style=\"text-align: center;\">\u003Ca href=\"/blog/pros-and-cons-of-filing-a-consumer-proposal/\">Learn more about the pros and cons of filing a consumer proposal \u003C/a>so you can make the most informed decision for your financial future.\u003C/p>\n",{"fieldGroupName":151,"supertitle":35,"heading":314,"introText":35,"icons":315,"outroText":35,"button":35,"anchorId":35,"backgroundColor":201,"padding":340,"iconSize":341,"iconAlignment":342},"Why Work with Farber in NL?",[316,330,335],{"icon":317,"heading":328,"text":329},{"iD":318,"id":318,"title":319,"filename":320,"filesize":321,"url":322,"link":323,"alt":35,"author":36,"description":35,"caption":35,"name":319,"status":38,"uploadedTo":279,"date":324,"modified":324,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":325,"height":325,"sizes":326,"relativeUrl":327},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":322,"thumbnail-width":325,"thumbnail-height":325,"medium":322,"medium-width":325,"medium-height":325,"mediumLarge":322,"mediumLarge-width":325,"mediumLarge-height":325,"large":322,"large-width":325,"large-height":325,"1536x1536":322,"1536x1536-width":325,"1536x1536-height":325,"2048x2048":322,"2048x2048-width":325,"2048x2048-height":325,"gform-image-choice-sm":322,"gform-image-choice-sm-width":325,"gform-image-choice-sm-height":325,"gform-image-choice-md":322,"gform-image-choice-md-width":325,"gform-image-choice-md-height":325,"gform-image-choice-lg":322,"gform-image-choice-lg-width":325,"gform-image-choice-lg-height":325},"/wp-content/uploads/2024/07/check-circle.png","Experienced Local Professionals","Whether you're in St. John’s or other communities across Newfoundland and Labrador, our team understands the unique challenges locals face. We’re here to help.",{"icon":331,"heading":333,"text":334},{"iD":318,"id":318,"title":319,"filename":320,"filesize":321,"url":322,"link":323,"alt":35,"author":36,"description":35,"caption":35,"name":319,"status":38,"uploadedTo":279,"date":324,"modified":324,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":325,"height":325,"sizes":332,"relativeUrl":327},{"thumbnail":322,"thumbnail-width":325,"thumbnail-height":325,"medium":322,"medium-width":325,"medium-height":325,"mediumLarge":322,"mediumLarge-width":325,"mediumLarge-height":325,"large":322,"large-width":325,"large-height":325,"1536x1536":322,"1536x1536-width":325,"1536x1536-height":325,"2048x2048":322,"2048x2048-width":325,"2048x2048-height":325,"gform-image-choice-sm":322,"gform-image-choice-sm-width":325,"gform-image-choice-sm-height":325,"gform-image-choice-md":322,"gform-image-choice-md-width":325,"gform-image-choice-md-height":325,"gform-image-choice-lg":322,"gform-image-choice-lg-width":325,"gform-image-choice-lg-height":325},"No Judgment, Just Solutions","We provide a compassionate, non-judgmental approach. Whether you're ready to file or just exploring your options. ",{"icon":336,"heading":338,"text":339},{"iD":318,"id":318,"title":319,"filename":320,"filesize":321,"url":322,"link":323,"alt":35,"author":36,"description":35,"caption":35,"name":319,"status":38,"uploadedTo":279,"date":324,"modified":324,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":325,"height":325,"sizes":337,"relativeUrl":327},{"thumbnail":322,"thumbnail-width":325,"thumbnail-height":325,"medium":322,"medium-width":325,"medium-height":325,"mediumLarge":322,"mediumLarge-width":325,"mediumLarge-height":325,"large":322,"large-width":325,"large-height":325,"1536x1536":322,"1536x1536-width":325,"1536x1536-height":325,"2048x2048":322,"2048x2048-width":325,"2048x2048-height":325,"gform-image-choice-sm":322,"gform-image-choice-sm-width":325,"gform-image-choice-sm-height":325,"gform-image-choice-md":322,"gform-image-choice-md-width":325,"gform-image-choice-md-height":325,"gform-image-choice-lg":322,"gform-image-choice-lg-width":325,"gform-image-choice-lg-height":325},"Licensed & Regulated by the Federal Government","With over 45 years of experience, Farber is a trusted name in debt relief, helping Canadians resolve their financial challenges since 1979.",[203,204],"48","top",{"fieldGroupName":344,"reviews":345,"showTrustpilotSummaryLink":20,"anchorId":35,"backgroundColor":201,"padding":359},"ReviewSliderManualEntry",[346,351,355],{"url":347,"stars":348,"text":349,"name":350},"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":352,"stars":348,"text":353,"name":354},"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":356,"stars":348,"text":357,"name":358},"https://ca.trustpilot.com/reviews/67f584f3fa22c7be84a7549b","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",[204],{"fieldGroupName":361,"anchorId":35,"layout":362,"form":363,"heading":35,"content":35,"hideContentOnMobile":123,"backgroundColor":114},"FormEmbed","1-col",{"ID":364,"post_author":36,"post_date":365,"post_date_gmt":366,"post_content":367,"post_title":368,"post_excerpt":35,"post_status":10,"comment_status":369,"ping_status":369,"post_password":35,"post_name":370,"to_ping":35,"pinged":35,"post_modified":371,"post_modified_gmt":372,"post_content_filtered":35,"post_parent":42,"guid":373,"menu_order":42,"post_type":374,"post_mime_type":35,"comment_count":375,"filter":376},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":378,"introduction":379,"type":382,"accordions":123,"faqs":383,"button":408,"enableSeoSchema":20,"anchorId":411},"FaqAccordion",{"supertitle":35,"heading":380,"text":381},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[384,392,400],{"ID":385,"post_author":36,"post_date":386,"post_date_gmt":387,"post_content":388,"post_title":389,"post_excerpt":35,"post_status":10,"comment_status":369,"ping_status":369,"post_password":35,"post_name":390,"to_ping":35,"pinged":35,"post_modified":386,"post_modified_gmt":387,"post_content_filtered":35,"post_parent":42,"guid":391,"menu_order":42,"post_type":382,"post_mime_type":35,"comment_count":375,"filter":376},4174,"2025-07-16 10:24:37","2025-07-16 14:24:37","Yes, once your consumer proposal is filed, all collection activities will cease. 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