[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"getPageData-/consumer-proposal/nova-scotia-en":3,"getGlobalData-en":414},{"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},"cG9zdDo0MTc3","nova-scotia","Consumer Proposal Nova Scotia","2025-07-16T10:55:14",null,"/consumer-proposal/nova-scotia/","publish","[{\"fieldGroupName\":\"StandardHeader\",\"heading\":\"A consumer proposal in Nova Scotia 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\":\"A Legal Debt Settlement Option\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a federally regulated debt relief option that allows you to settle your unsecured debts for less \\u2014 often reducing what you owe by up to 80%. Instead of juggling multiple payments, you\\u2019ll make one affordable monthly payment based on your financial situation.\u003C\\/p>\\n\u003Cp>At Farber, our \u003Ca class=\\\"text-teal\\\" href=\\\"\\/why-a-licensed-insolvency-trustee\\/\\\">Licensed Insolvency Trustees (LITs)\u003C\\/a> handle every step of the consumer proposal process\\u00a0\\u2014 from reviewing your debt to filing your proposal and communicating with creditors. We ensure the process is secure, government-compliant, and free of upfront fees, so you can focus on moving forward with confidence.\u003C\\/p>\\n\",\"button\":null,\"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\":\"Regulated by the Federal Government\",\"text\":\"\u003Cp>At Farber, our trustees handle every step of the consumer proposal process \\u2014 from initial consultation to final discharge \\u2014 with care, transparency, and no upfront fees. You can trust us to manage your proposal legally, securely, and with compassion.\u003C\\/p>\\n\",\"button\":null,\"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\":\"Advantages of a Consumer Proposal in NS\",\"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\":\"Stops Legal Action & Interest\",\"text\":\"Once your consumer proposal is officially filed, all interest charges stop immediately. So do collection calls, wage garnishments, and legal action \\u2014 giving you the breathing room you need.\"},{\"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 Property\",\"text\":\"Unlike bankruptcy, a consumer proposal allows you to keep your key assets, including your home, vehicle, and RRSPs, while still resolving your debt.\"},{\"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\":\"Affordable Monthly Payments\",\"text\":\"All eligible debts are combined into a single monthly payment tailored to your income and budget \\u2014 making it easier to manage your finances without added stress.\"}],\"outroText\":\"\u003Cp>Want to compare your options? 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\":null,\"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\":\"Who Qualifies for a Consumer Proposal in Nova Scotia?\",\"badgeNumber\":\"\",\"heading\":\"Basic Eligibility Requirements\",\"text\":\"\u003Cp>You may be eligible for a consumer proposal if you:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>Owe less than $250,000 in unsecured debt (excluding your mortgage)\u003C\\/li>\\n\u003Cli>Are unable to repay your debts in full\u003C\\/li>\\n\u003Cli>Have a steady, reliable source of income\u003C\\/li>\\n\u003C\\/ul>\\n\",\"button\":null,\"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\":\"Debts That Can Be Included\",\"text\":\"\u003Cp>A consumer proposal can cover a wide range of unsecured debts, such as:\u003C\\/p>\\n\",\"list\":[{\"item\":\"Credit card debt\"},{\"item\":\"CRA tax debt\"},{\"item\":\"Payday loans\"},{\"item\":\"Lines of credit\"}],\"button\":null,\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"OptionsCallOut\",\"heading\":\"Need help understanding your financial picture?\",\"text\":\"\u003Cp style=\\\"text-align: center;\\\">Explore our \u003Ca class=\\\"text-teal\\\" href=\\\"\\/contact-us\\/counselling\\/\\\">counselling services\u003C\\/a> for one-on-one support.\u003C\\/p>\\n\",\"anchorId\":\"\"},{\"fieldGroupName\":\"Steps\",\"introduction\":{\"supertitle\":\"Take the first step\",\"heading\":\"How the Consumer Proposal Process Works in Nova Scotia\",\"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\":\"Meet virtually or in person with a Licensed Insolvency Trustee in Halifax or anywhere in Nova Scotia to discuss your situation.\"},{\"icon\":{\"iD\":2725,\"id\":2725,\"title\":\"icons8-document\",\"filename\":\"icons8-document.svg\",\"filesize\":1438,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"link\":\"\\/financial-fit-check\\/icons8-document\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-document\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-06-24 14:59:54\",\"modified\":\"2024-07-02 22:15:52\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-document.svg\"},\"text\":\"Your Farber Trustee will develop a realistic repayment plan based on your income and file 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 have 45 days to vote. If a majority agree, the proposal becomes legally binding for all creditors.\"},{\"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\":\"Start making interest-free monthly payments directly to Farber. Once complete, the rest of your eligible debt is officially forgiven.\"}],\"showArrows\":true,\"anchorId\":\"\"},{\"fieldGroupName\":\"OptionsCallOut\",\"heading\":\"Still unsure if it\\u2019s right for you?\",\"text\":\"\u003Cp class=\\\"large-paragraph\\\" style=\\\"text-align: center;\\\">Read our \u003Ca href=\\\"https:\\/\\/www.farber.ca\\/blog\\/pros-and-cons-of-filing-a-consumer-proposal\\\">blog on the pros and cons of filing a consumer proposal\u003C\\/a>.\u003C\\/p>\\n\",\"anchorId\":\"\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Choose Farber in Nova Scotia?\",\"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\":\"Local Experts, National Reach\",\"text\":\"From Halifax to smaller towns, our team understands the challenges Nova Scotians face. We\\u2019re part of your community and ready 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\":\"Trusted Since 1979\",\"text\":\"Since 1979, Farber has helped over 200,000 Canadians resolve their debt with confidence. You can count on us every step of the way.\"},{\"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\":\"Friendly, Judgment-Free Support\",\"text\":\"Debt is stressful \\u2014 but you don\\u2019t have to face it alone. At Farber, we offer empathetic, practical support with zero pressure and no shame.\"}],\"outroText\":\"\u003Ch4 class=\\\"mb-4\\\">Talk to a Nova Scotia Licensed Professional\u003C\\/h4>\\n\u003Cp>Whether you’re in \u003Ca href=\\\"\\/locations\\/halifax\\/\\\">Halifax\u003C\\/a> or elsewhere in the province, you can meet with a Licensed Insolvency Trustee from Farber in person or remotely. We\\u2019ll walk you through your debt relief options \\u2014 clearly and without judgment.\u003C\\/p>\\n\",\"button\":null,\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"iconSize\":\"48\",\"iconAlignment\":\"top\"},{\"fieldGroupName\":\"ReviewSliderManualEntry\",\"reviews\":[{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/63e26a0bf9dca00015f927d0\",\"stars\":\"5\",\"text\":\"Thank you! For making my experience amazing. It\\u2019s not always easy to come to this conclusion and you guys made it enjoyable. Very patient, knowledgeable, respectful etc\",\"name\":\"Julie S.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/64fb9f0e6e71e100123b3457\",\"stars\":\"5\",\"text\":\"Process was simple and easy. Got this done in a short space of time, everything explained appropriately. Jasleen made me real comfortable and was empathetic to my circumstance. Thoroughly went through document and explained everything. Also advised how to help myself in future by completing early to bring score back up if I can. Highly recommend Farber. This isn\\u2019t an easy thing to do, but appreciate the care and attention placed to make this process easier.\",\"name\":\"Nix\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/reviews\\/686a7f20fb8362aa9f556c5c\",\"stars\":\"5\",\"text\":\"Very friendly and knowledgeable\\r\\nThey thoroughly explained all my options and the best way to handle my debt.\\r\\nI have already referred your company to a few other people I know in the same situation.\\r\\nThank to your staff for helping\",\"name\":\"Alan B.\"}],\"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\":4178,\"post_author\":\"6\",\"post_date\":\"2025-07-16 10:53:45\",\"post_date_gmt\":\"2025-07-16 14:53:45\",\"post_content\":\"Filing a consumer proposal will show an R7 rating on your credit report \\u2014 less severe than bankruptcy\\u2019s R9. It remains for up to three years after you complete your payments, giving you a chance to rebuild credit sooner. \u003Ca href=\\\"\\/blog\\/how-does-a-consumer-proposal-affect-your-credit\\\">Learn more about how a consumer proposal affects your credit.\u003C\\/a>\",\"post_title\":\"What happens to my credit rating?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-happens-to-my-credit-rating\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 10:53:45\",\"post_modified_gmt\":\"2025-07-16 14:53:45\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4178\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4179,\"post_author\":\"6\",\"post_date\":\"2025-07-16 10:54:23\",\"post_date_gmt\":\"2025-07-16 14:54:23\",\"post_content\":\"No. \u003Ca href=\\\"\\/blog\\/wage-garnishment\\\">Wage garnishments\u003C\\/a>, lawsuits, and collection calls must stop as soon as your proposal is filed, thanks to legal protections under the \u003Ca href=\\\"https:\\/\\/laws-lois.justice.gc.ca\\/eng\\/acts\\/B-3\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Bankruptcy and Insolvency Act.\u003C\\/a>\",\"post_title\":\"Will my wages be garnished?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-my-wages-be-garnished\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 10:54:23\",\"post_modified_gmt\":\"2025-07-16 14:54:23\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4179\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4180,\"post_author\":\"6\",\"post_date\":\"2025-07-16 10:55:03\",\"post_date_gmt\":\"2025-07-16 14:55:03\",\"post_content\":\"Yes. Most types of CRA and government debt, including income tax and HST arrears, can be included in a consumer proposal.\\r\\n\\r\\nWant to know more about your legal rights? Visit the \u003Ca href=\\\"https:\\/\\/ised-isde.canada.ca\\/site\\/office-superintendent-bankruptcy\\/en\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Office of the Superintendent of Bankruptcy Canada\u003C\\/a> to learn about the laws protecting you.\",\"post_title\":\"Can I include tax debt?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-include-tax-debt\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 10:55:03\",\"post_modified_gmt\":\"2025-07-16 14:55:03\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4180\",\"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\"}]",{"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=\"Get debt relief with a consumer proposal in Nova Scotia. 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It must be filed through a Licensed Insolvency Trustee (LIT), like our team.",{"iD":28,"id":28,"title":29,"filename":30,"filesize":31,"url":32,"link":33,"alt":34,"author":35,"description":34,"caption":34,"name":36,"status":37,"uploadedTo":38,"date":39,"modified":40,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":46,"height":47,"sizes":48,"relativeUrl":67},2797,"Your Debt Relief Options","Your-Debt-Relief-Options.png",606658,"https://www.farber.ca/wp-content/uploads/2024/06/Your-Debt-Relief-Options.png","/debt-relief/your-debt-relief-options/","","6","your-debt-relief-options","inherit",210,"2024-06-27 14:57:56","2024-06-27 15:17:45",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":49,"thumbnail-width":50,"thumbnail-height":50,"medium":51,"medium-width":52,"medium-height":53,"mediumLarge":54,"mediumLarge-width":55,"mediumLarge-height":56,"large":57,"large-width":58,"large-height":59,"1536x1536":60,"1536x1536-width":61,"1536x1536-height":62,"2048x2048":32,"2048x2048-width":46,"2048x2048-height":47,"gform-image-choice-sm":32,"gform-image-choice-sm-width":52,"gform-image-choice-sm-height":53,"gform-image-choice-md":32,"gform-image-choice-md-width":63,"gform-image-choice-md-height":64,"gform-image-choice-lg":32,"gform-image-choice-lg-width":65,"gform-image-choice-lg-height":66},"https://www.farber.ca/wp-content/uploads/2024/06/Your-Debt-Relief-Options-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/06/Your-Debt-Relief-Options-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/06/Your-Debt-Relief-Options-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/06/Your-Debt-Relief-Options-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/06/Your-Debt-Relief-Options-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/06/Your-Debt-Relief-Options.png","bg-gold-lightest",[],{"fieldGroupName":71,"heading":72,"anchors":73},"AnchorLinks","On this page",[74,77,80,83],{"title":75,"anchorId":76},"What is a consumer proposal?","what-is-a-consumer-proposal",{"title":78,"anchorId":79},"Getting started","getting-started",{"title":81,"anchorId":82},"Benefits","benefits",{"title":84,"anchorId":85},"Eligibility","eligibility",{"fieldGroupName":87,"image":88,"supertitleStyling":110,"supertitle":75,"badgeNumber":34,"heading":111,"text":112,"button":8,"anchorId":76,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":116,"textAlignment":119,"bodyTextSize":121,"showArrowBelow":122,"spacing":123,"buttonStyling":124},"ImageTextBanner",{"iD":89,"id":89,"title":90,"filename":91,"filesize":92,"url":93,"link":94,"alt":34,"author":35,"description":34,"caption":34,"name":95,"status":37,"uploadedTo":96,"date":97,"modified":97,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"sizes":99,"relativeUrl":109},2752,"Consumer Proposal 1","Consumer-Proposal-1.png",236037,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1.png","/consumer-proposal/consumer-proposal-1/","consumer-proposal-1",225,"2024-06-25 13:38:23",1074,{"thumbnail":100,"thumbnail-width":50,"thumbnail-height":50,"medium":101,"medium-width":102,"medium-height":52,"mediumLarge":103,"mediumLarge-width":55,"mediumLarge-height":104,"large":105,"large-width":106,"large-height":58,"1536x1536":93,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":93,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":93,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":93,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":93,"gform-image-choice-lg-width":108,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-286x300.png",286,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-768x806.png",806,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-976x1024.png",976,381,572,"/wp-content/uploads/2024/06/Consumer-Proposal-1.png","regular","A Legal Debt Settlement Option","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a federally regulated debt relief option that allows you to settle your unsecured debts for less — often reducing what you owe by up to 80%. Instead of juggling multiple payments, you’ll make one affordable monthly payment based on your financial situation.\u003C/p>\n\u003Cp>At Farber, our \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustees (LITs)\u003C/a> handle every step of the consumer proposal process — from reviewing your debt to filing your proposal and communicating with creditors. We ensure the process is secure, government-compliant, and free of upfront fees, so you can focus on moving forward with confidence.\u003C/p>\n","bg-white","contained","4/12",{"desktop":117,"mobile":118},"imageContent","contentImage",{"desktop":120,"mobile":120},"left","base",false,[],"light",{"fieldGroupName":87,"image":126,"supertitleStyling":110,"supertitle":34,"badgeNumber":34,"heading":143,"text":144,"button":8,"anchorId":79,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":145,"textAlignment":146,"bodyTextSize":121,"showArrowBelow":122,"spacing":147,"buttonStyling":148},{"iD":127,"id":127,"title":128,"filename":129,"filesize":130,"url":131,"link":132,"alt":34,"author":35,"description":34,"caption":34,"name":133,"status":37,"uploadedTo":134,"date":135,"modified":136,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"sizes":137,"relativeUrl":142},2780,"Debt Counselling 2","Debt-Counselling-2.png",333992,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2.png","/debt-counselling/debt-counselling-2/","debt-counselling-2",373,"2024-06-27 14:56:33","2024-06-27 15:15:07",{"thumbnail":138,"thumbnail-width":50,"thumbnail-height":50,"medium":139,"medium-width":102,"medium-height":52,"mediumLarge":140,"mediumLarge-width":55,"mediumLarge-height":104,"large":141,"large-width":106,"large-height":58,"1536x1536":131,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":131,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":131,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":131,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":131,"gform-image-choice-lg-width":108,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-976x1024.png","/wp-content/uploads/2024/06/Debt-Counselling-2.png","Regulated by the Federal Government","\u003Cp>At Farber, our trustees handle every step of the consumer proposal process — from initial consultation to final discharge — with care, transparency, and no upfront fees. You can trust us to manage your proposal legally, securely, and with compassion.\u003C/p>\n",{"desktop":118,"mobile":118},{"desktop":120,"mobile":120},[],"dark",{"fieldGroupName":150,"supertitle":34,"heading":151,"introText":34,"icons":152,"outroText":199,"button":8,"anchorId":82,"backgroundColor":200,"padding":201,"iconSize":204,"iconAlignment":205},"IconGrid","Advantages of a Consumer Proposal in NS",[153,171,186],{"icon":154,"heading":169,"text":170},{"iD":155,"id":155,"title":156,"filename":157,"filesize":158,"url":159,"link":160,"alt":34,"author":35,"description":34,"caption":34,"name":156,"status":37,"uploadedTo":161,"date":162,"modified":163,"menuOrder":41,"mimeType":164,"type":43,"subtype":165,"icon":45,"width":166,"height":166,"sizes":167,"relativeUrl":168},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":159,"thumbnail-width":50,"thumbnail-height":50,"medium":159,"medium-width":52,"medium-height":52,"mediumLarge":159,"mediumLarge-width":55,"mediumLarge-height":55,"large":159,"large-width":58,"large-height":58,"1536x1536":159,"1536x1536-width":166,"1536x1536-height":166,"2048x2048":159,"2048x2048-width":166,"2048x2048-height":166,"gform-image-choice-sm":159,"gform-image-choice-sm-width":166,"gform-image-choice-sm-height":166,"gform-image-choice-md":159,"gform-image-choice-md-width":166,"gform-image-choice-md-height":166,"gform-image-choice-lg":159,"gform-image-choice-lg-width":166,"gform-image-choice-lg-height":166},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Stops Legal Action & Interest","Once your consumer proposal is officially filed, all interest charges stop immediately. So do collection calls, wage garnishments, and legal action — giving you the breathing room you need.",{"icon":172,"heading":184,"text":185},{"iD":173,"id":173,"title":174,"filename":175,"filesize":176,"url":177,"link":178,"alt":34,"author":35,"description":34,"caption":34,"name":174,"status":37,"uploadedTo":179,"date":180,"modified":181,"menuOrder":41,"mimeType":164,"type":43,"subtype":165,"icon":45,"width":166,"height":166,"sizes":182,"relativeUrl":183},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":177,"thumbnail-width":50,"thumbnail-height":50,"medium":177,"medium-width":52,"medium-height":52,"mediumLarge":177,"mediumLarge-width":55,"mediumLarge-height":55,"large":177,"large-width":58,"large-height":58,"1536x1536":177,"1536x1536-width":166,"1536x1536-height":166,"2048x2048":177,"2048x2048-width":166,"2048x2048-height":166,"gform-image-choice-sm":177,"gform-image-choice-sm-width":166,"gform-image-choice-sm-height":166,"gform-image-choice-md":177,"gform-image-choice-md-width":166,"gform-image-choice-md-height":166,"gform-image-choice-lg":177,"gform-image-choice-lg-width":166,"gform-image-choice-lg-height":166},"/wp-content/uploads/2024/06/icons8-money-box.svg","Keep Your Property","Unlike bankruptcy, a consumer proposal allows you to keep your key assets, including your home, vehicle, and RRSPs, while still resolving your debt.",{"icon":187,"heading":197,"text":198},{"iD":188,"id":188,"title":189,"filename":190,"filesize":191,"url":192,"link":193,"alt":34,"author":35,"description":34,"caption":34,"name":189,"status":37,"uploadedTo":161,"date":194,"modified":163,"menuOrder":41,"mimeType":164,"type":43,"subtype":165,"icon":45,"width":166,"height":166,"sizes":195,"relativeUrl":196},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":192,"thumbnail-width":50,"thumbnail-height":50,"medium":192,"medium-width":52,"medium-height":52,"mediumLarge":192,"mediumLarge-width":55,"mediumLarge-height":55,"large":192,"large-width":58,"large-height":58,"1536x1536":192,"1536x1536-width":166,"1536x1536-height":166,"2048x2048":192,"2048x2048-width":166,"2048x2048-height":166,"gform-image-choice-sm":192,"gform-image-choice-sm-width":166,"gform-image-choice-sm-height":166,"gform-image-choice-md":192,"gform-image-choice-md-width":166,"gform-image-choice-md-height":166,"gform-image-choice-lg":192,"gform-image-choice-lg-width":166,"gform-image-choice-lg-height":166},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","Affordable Monthly Payments","All eligible debts are combined into a single monthly payment tailored to your income and budget — making it easier to manage your finances without added stress.","\u003Cp>Want to compare your options? 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",[202,203],"top-padding","bottom-padding","96","middle",{"fieldGroupName":87,"image":207,"supertitleStyling":110,"supertitle":222,"badgeNumber":34,"heading":223,"text":224,"button":8,"anchorId":85,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":225,"textAlignment":226,"bodyTextSize":121,"showArrowBelow":122,"spacing":228,"buttonStyling":148},{"iD":208,"id":208,"title":209,"filename":210,"filesize":211,"url":212,"link":213,"alt":34,"author":35,"description":34,"caption":34,"name":214,"status":37,"uploadedTo":96,"date":215,"modified":215,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"sizes":216,"relativeUrl":221},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":217,"thumbnail-width":50,"thumbnail-height":50,"medium":218,"medium-width":102,"medium-height":52,"mediumLarge":219,"mediumLarge-width":55,"mediumLarge-height":104,"large":220,"large-width":106,"large-height":58,"1536x1536":212,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":212,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":212,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":212,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":212,"gform-image-choice-lg-width":108,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-976x1024.png","/wp-content/uploads/2024/06/Consumer-Proposal-2-1.png","Who Qualifies for a Consumer Proposal in Nova Scotia?","Basic Eligibility Requirements","\u003Cp>You may be eligible for a consumer proposal if you:\u003C/p>\n\u003Cul>\n\u003Cli>Owe less than $250,000 in unsecured debt (excluding your mortgage)\u003C/li>\n\u003Cli>Are unable to repay your debts in full\u003C/li>\n\u003Cli>Have a steady, reliable source of income\u003C/li>\n\u003C/ul>\n",{"desktop":117,"mobile":117},{"desktop":120,"mobile":227},"center",[],{"fieldGroupName":230,"heading":231,"text":232,"list":233,"button":8,"backgroundColor":113,"padding":242,"mobileColumns":243,"desktopColumns":244,"width":245},"SmallCheckmarkList","Debts That Can Be Included","\u003Cp>A consumer proposal can cover a wide range of unsecured debts, such as:\u003C/p>\n",[234,236,238,240],{"item":235},"Credit card debt",{"item":237},"CRA tax debt",{"item":239},"Payday loans",{"item":241},"Lines of credit",[203],"cols-1","auto","12/12",{"fieldGroupName":247,"heading":248,"text":249,"anchorId":34},"OptionsCallOut","Need help understanding your financial picture?","\u003Cp style=\"text-align: center;\">Explore our \u003Ca class=\"text-teal\" href=\"/contact-us/counselling/\">counselling services\u003C/a> for one-on-one support.\u003C/p>\n",{"fieldGroupName":251,"introduction":252,"steps":258,"showArrows":19,"anchorId":34},"Steps",{"supertitle":253,"heading":254,"button":255},"Take the first step","How the Consumer Proposal Process Works in Nova Scotia",{"title":256,"url":257,"target":34},"Book a FREE consultation","/book-a-consultation",[259,273,287,299],{"icon":260,"text":272},{"iD":261,"id":261,"title":262,"filename":263,"filesize":264,"url":265,"link":266,"alt":34,"author":35,"description":34,"caption":34,"name":262,"status":37,"uploadedTo":267,"date":268,"modified":269,"menuOrder":41,"mimeType":164,"type":43,"subtype":165,"icon":45,"width":166,"height":166,"sizes":270,"relativeUrl":271},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":265,"thumbnail-width":50,"thumbnail-height":50,"medium":265,"medium-width":52,"medium-height":52,"mediumLarge":265,"mediumLarge-width":55,"mediumLarge-height":55,"large":265,"large-width":58,"large-height":58,"1536x1536":265,"1536x1536-width":166,"1536x1536-height":166,"2048x2048":265,"2048x2048-width":166,"2048x2048-height":166,"gform-image-choice-sm":265,"gform-image-choice-sm-width":166,"gform-image-choice-sm-height":166,"gform-image-choice-md":265,"gform-image-choice-md-width":166,"gform-image-choice-md-height":166,"gform-image-choice-lg":265,"gform-image-choice-lg-width":166,"gform-image-choice-lg-height":166},"/wp-content/uploads/2024/06/icons8-connected-people.svg","Meet virtually or in person with a Licensed Insolvency Trustee in Halifax or anywhere in Nova Scotia to discuss your situation.",{"icon":274,"text":286},{"iD":275,"id":275,"title":276,"filename":277,"filesize":278,"url":279,"link":280,"alt":34,"author":35,"description":34,"caption":34,"name":276,"status":37,"uploadedTo":281,"date":282,"modified":283,"menuOrder":41,"mimeType":164,"type":43,"subtype":165,"icon":45,"width":166,"height":166,"sizes":284,"relativeUrl":285},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":279,"thumbnail-width":50,"thumbnail-height":50,"medium":279,"medium-width":52,"medium-height":52,"mediumLarge":279,"mediumLarge-width":55,"mediumLarge-height":55,"large":279,"large-width":58,"large-height":58,"1536x1536":279,"1536x1536-width":166,"1536x1536-height":166,"2048x2048":279,"2048x2048-width":166,"2048x2048-height":166,"gform-image-choice-sm":279,"gform-image-choice-sm-width":166,"gform-image-choice-sm-height":166,"gform-image-choice-md":279,"gform-image-choice-md-width":166,"gform-image-choice-md-height":166,"gform-image-choice-lg":279,"gform-image-choice-lg-width":166,"gform-image-choice-lg-height":166},"/wp-content/uploads/2024/06/icons8-document.svg","Your Farber Trustee will develop a realistic repayment plan based on your income and file it with the federal government.",{"icon":288,"text":298},{"iD":289,"id":289,"title":290,"filename":291,"filesize":292,"url":293,"link":294,"alt":34,"author":35,"description":34,"caption":34,"name":290,"status":37,"uploadedTo":281,"date":295,"modified":283,"menuOrder":41,"mimeType":164,"type":43,"subtype":165,"icon":45,"width":166,"height":166,"sizes":296,"relativeUrl":297},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":293,"thumbnail-width":50,"thumbnail-height":50,"medium":293,"medium-width":52,"medium-height":52,"mediumLarge":293,"mediumLarge-width":55,"mediumLarge-height":55,"large":293,"large-width":58,"large-height":58,"1536x1536":293,"1536x1536-width":166,"1536x1536-height":166,"2048x2048":293,"2048x2048-width":166,"2048x2048-height":166,"gform-image-choice-sm":293,"gform-image-choice-sm-width":166,"gform-image-choice-sm-height":166,"gform-image-choice-md":293,"gform-image-choice-md-width":166,"gform-image-choice-md-height":166,"gform-image-choice-lg":293,"gform-image-choice-lg-width":166,"gform-image-choice-lg-height":166},"/wp-content/uploads/2024/06/icons8-schedule.svg","Your creditors have 45 days to vote. If a majority agree, the proposal becomes legally binding for all creditors.",{"icon":300,"text":310},{"iD":301,"id":301,"title":302,"filename":303,"filesize":304,"url":305,"link":306,"alt":34,"author":35,"description":34,"caption":34,"name":302,"status":37,"uploadedTo":179,"date":307,"modified":181,"menuOrder":41,"mimeType":164,"type":43,"subtype":165,"icon":45,"width":166,"height":166,"sizes":308,"relativeUrl":309},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":305,"thumbnail-width":50,"thumbnail-height":50,"medium":305,"medium-width":52,"medium-height":52,"mediumLarge":305,"mediumLarge-width":55,"mediumLarge-height":55,"large":305,"large-width":58,"large-height":58,"1536x1536":305,"1536x1536-width":166,"1536x1536-height":166,"2048x2048":305,"2048x2048-width":166,"2048x2048-height":166,"gform-image-choice-sm":305,"gform-image-choice-sm-width":166,"gform-image-choice-sm-height":166,"gform-image-choice-md":305,"gform-image-choice-md-width":166,"gform-image-choice-md-height":166,"gform-image-choice-lg":305,"gform-image-choice-lg-width":166,"gform-image-choice-lg-height":166},"/wp-content/uploads/2024/06/icons8-card-payment.svg","Start making interest-free monthly payments directly to Farber. Once complete, the rest of your eligible debt is officially forgiven.",{"fieldGroupName":247,"heading":312,"text":313,"anchorId":34},"Still unsure if it’s right for you?","\u003Cp class=\"large-paragraph\" style=\"text-align: center;\">Read our \u003Ca href=\"https://www.farber.ca/blog/pros-and-cons-of-filing-a-consumer-proposal\">blog on the pros and cons of filing a consumer proposal\u003C/a>.\u003C/p>\n",{"fieldGroupName":150,"supertitle":34,"heading":315,"introText":34,"icons":316,"outroText":341,"button":8,"anchorId":34,"backgroundColor":200,"padding":342,"iconSize":343,"iconAlignment":344},"Why Choose Farber in Nova Scotia?",[317,331,336],{"icon":318,"heading":329,"text":330},{"iD":319,"id":319,"title":320,"filename":321,"filesize":322,"url":323,"link":324,"alt":34,"author":35,"description":34,"caption":34,"name":320,"status":37,"uploadedTo":281,"date":325,"modified":325,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":326,"height":326,"sizes":327,"relativeUrl":328},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":323,"thumbnail-width":326,"thumbnail-height":326,"medium":323,"medium-width":326,"medium-height":326,"mediumLarge":323,"mediumLarge-width":326,"mediumLarge-height":326,"large":323,"large-width":326,"large-height":326,"1536x1536":323,"1536x1536-width":326,"1536x1536-height":326,"2048x2048":323,"2048x2048-width":326,"2048x2048-height":326,"gform-image-choice-sm":323,"gform-image-choice-sm-width":326,"gform-image-choice-sm-height":326,"gform-image-choice-md":323,"gform-image-choice-md-width":326,"gform-image-choice-md-height":326,"gform-image-choice-lg":323,"gform-image-choice-lg-width":326,"gform-image-choice-lg-height":326},"/wp-content/uploads/2024/07/check-circle.png","Local Experts, National Reach","From Halifax to smaller towns, our team understands the challenges Nova Scotians face. We’re part of your community and ready to help.",{"icon":332,"heading":334,"text":335},{"iD":319,"id":319,"title":320,"filename":321,"filesize":322,"url":323,"link":324,"alt":34,"author":35,"description":34,"caption":34,"name":320,"status":37,"uploadedTo":281,"date":325,"modified":325,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":326,"height":326,"sizes":333,"relativeUrl":328},{"thumbnail":323,"thumbnail-width":326,"thumbnail-height":326,"medium":323,"medium-width":326,"medium-height":326,"mediumLarge":323,"mediumLarge-width":326,"mediumLarge-height":326,"large":323,"large-width":326,"large-height":326,"1536x1536":323,"1536x1536-width":326,"1536x1536-height":326,"2048x2048":323,"2048x2048-width":326,"2048x2048-height":326,"gform-image-choice-sm":323,"gform-image-choice-sm-width":326,"gform-image-choice-sm-height":326,"gform-image-choice-md":323,"gform-image-choice-md-width":326,"gform-image-choice-md-height":326,"gform-image-choice-lg":323,"gform-image-choice-lg-width":326,"gform-image-choice-lg-height":326},"Trusted Since 1979","Since 1979, Farber has helped over 200,000 Canadians resolve their debt with confidence. You can count on us every step of the way.",{"icon":337,"heading":339,"text":340},{"iD":319,"id":319,"title":320,"filename":321,"filesize":322,"url":323,"link":324,"alt":34,"author":35,"description":34,"caption":34,"name":320,"status":37,"uploadedTo":281,"date":325,"modified":325,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":326,"height":326,"sizes":338,"relativeUrl":328},{"thumbnail":323,"thumbnail-width":326,"thumbnail-height":326,"medium":323,"medium-width":326,"medium-height":326,"mediumLarge":323,"mediumLarge-width":326,"mediumLarge-height":326,"large":323,"large-width":326,"large-height":326,"1536x1536":323,"1536x1536-width":326,"1536x1536-height":326,"2048x2048":323,"2048x2048-width":326,"2048x2048-height":326,"gform-image-choice-sm":323,"gform-image-choice-sm-width":326,"gform-image-choice-sm-height":326,"gform-image-choice-md":323,"gform-image-choice-md-width":326,"gform-image-choice-md-height":326,"gform-image-choice-lg":323,"gform-image-choice-lg-width":326,"gform-image-choice-lg-height":326},"Friendly, Judgment-Free Support","Debt is stressful — but you don’t have to face it alone. At Farber, we offer empathetic, practical support with zero pressure and no shame.","\u003Ch4 class=\"mb-4\">Talk to a Nova Scotia Licensed Professional\u003C/h4>\n\u003Cp>Whether you’re in \u003Ca href=\"/locations/halifax/\">Halifax\u003C/a> or elsewhere in the province, you can meet with a Licensed Insolvency Trustee from Farber in person or remotely. We’ll walk you through your debt relief options — clearly and without judgment.\u003C/p>\n",[202,203],"48","top",{"fieldGroupName":346,"reviews":347,"showTrustpilotSummaryLink":19,"anchorId":34,"backgroundColor":200,"padding":361},"ReviewSliderManualEntry",[348,353,357],{"url":349,"stars":350,"text":351,"name":352},"https://ca.trustpilot.com/users/63e26a0bf9dca00015f927d0","5","Thank you! For making my experience amazing. It’s not always easy to come to this conclusion and you guys made it enjoyable. Very patient, knowledgeable, respectful etc","Julie S.",{"url":354,"stars":350,"text":355,"name":356},"https://ca.trustpilot.com/users/64fb9f0e6e71e100123b3457","Process was simple and easy. Got this done in a short space of time, everything explained appropriately. Jasleen made me real comfortable and was empathetic to my circumstance. Thoroughly went through document and explained everything. Also advised how to help myself in future by completing early to bring score back up if I can. Highly recommend Farber. This isn’t an easy thing to do, but appreciate the care and attention placed to make this process easier.","Nix",{"url":358,"stars":350,"text":359,"name":360},"https://ca.trustpilot.com/reviews/686a7f20fb8362aa9f556c5c","Very friendly and knowledgeable\r\nThey thoroughly explained all my options and the best way to handle my debt.\r\nI have already referred your company to a few other people I know in the same situation.\r\nThank to your staff for helping","Alan B.",[203],{"fieldGroupName":363,"anchorId":34,"layout":364,"form":365,"heading":34,"content":34,"hideContentOnMobile":122,"backgroundColor":113},"FormEmbed","1-col",{"ID":366,"post_author":35,"post_date":367,"post_date_gmt":368,"post_content":369,"post_title":370,"post_excerpt":34,"post_status":10,"comment_status":371,"ping_status":371,"post_password":34,"post_name":372,"to_ping":34,"pinged":34,"post_modified":373,"post_modified_gmt":374,"post_content_filtered":34,"post_parent":41,"guid":375,"menu_order":41,"post_type":376,"post_mime_type":34,"comment_count":377,"filter":378},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":380,"introduction":381,"type":384,"accordions":122,"faqs":385,"button":410,"enableSeoSchema":19,"anchorId":413},"FaqAccordion",{"supertitle":34,"heading":382,"text":383},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[386,394,402],{"ID":387,"post_author":35,"post_date":388,"post_date_gmt":389,"post_content":390,"post_title":391,"post_excerpt":34,"post_status":10,"comment_status":371,"ping_status":371,"post_password":34,"post_name":392,"to_ping":34,"pinged":34,"post_modified":388,"post_modified_gmt":389,"post_content_filtered":34,"post_parent":41,"guid":393,"menu_order":41,"post_type":384,"post_mime_type":34,"comment_count":377,"filter":378},4178,"2025-07-16 10:53:45","2025-07-16 14:53:45","Filing a consumer proposal will show an R7 rating on your credit report — less severe than bankruptcy’s R9. 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