[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"getPageData-/consumer-proposal/ontario-en":3,"getGlobalData-en":464},{"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},"cG9zdDo0MTQ2","ontario","Consumer Proposal Ontario","2025-07-16T08:15:03",null,"/consumer-proposal/ontario/","publish","[{\"fieldGroupName\":\"StandardHeader\",\"heading\":\"A consumer proposal in Ontario 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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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 Federally Regulated Debt Solution\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a formal agreement that allows you to repay a portion of your unsecured debt, often reducing your total debt by up to 80%. This process is administered by a \u003Ca class=\\\"text-teal\\\" href=\\\"\\/why-a-licensed-insolvency-trustee\\/\\\">Licensed Insolvency Trustee (LIT)\u003C\\/a>, who will work with you and your creditors under the protection of the \u003Ca class=\\\"text-teal\\\" href=\\\"https:\\/\\/laws-lois.justice.gc.ca\\/eng\\/acts\\/B-3\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Bankruptcy and Insolvency Act\u003C\\/a>.\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\":\"Getting started\",\"badgeNumber\":\"\",\"heading\":\"How Consumer Proposals Work in Ontario\",\"text\":\"\u003Cp>With a consumer proposal, you\\u2019ll make one fixed monthly payment that fits your budget. In return, creditors stop charging interest, and all collection activities \\u2014 including calls and wage garnishments \\u2014 are halted. At Farber, our team will guide you through every step of the process, from assessing your debt to communicating with creditors and filing the proposal. 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Affordable Monthly Payment\",\"text\":\"Simplify your debt into one predictable payment that fits your budget and lifestyle.\"}],\"outroText\":\"\",\"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\":\"Do You Qualify in Ontario?\",\"badgeNumber\":\"\",\"heading\":\"Basic Eligibility Criteria\",\"text\":\"\u003Cp>You may be eligible for a consumer proposal in Ontario if you:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>Owe less than $250,000 in unsecured debt (not including your mortgage)\u003C\\/li>\\n\u003Cli>Are unable to pay your debts in full as they come due\u003C\\/li>\\n\u003C\\/ul>\\n\u003Cp> \u003C\\/p>\\n\u003Cp class=\\\"-mb-5\\\">\u003Cstrong>Concerned about your home or mortgage renewal?\u003C\\/strong>\u003C\\/p>\\n\",\"button\":{\"title\":\"Here's what to know\",\"url\":\"\\/blog\\/how-a-consumer-proposal-can-impact-mortgage-renewal\",\"target\":\"\"},\"anchorId\":\"eligibility\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"imageContent\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"center\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"dark\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"Types of Debt Included:\",\"text\":\"\u003Cp>Consumer proposals cover a wide range of unsecured debts, such as:\u003C\\/p>\\n\",\"list\":[{\"item\":\"Credit card balances\"},{\"item\":\"Personal and payday loans\"},{\"item\":\"CRA income tax debt\"},{\"item\":\"Unsecured lines of credit\"}],\"button\":null,\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"OptionsCallOut\",\"heading\":\"Compare your other options:\",\"text\":\"\u003Cp class=\\\"large-paragraph\\\" style=\\\"text-align: center;\\\">\u003Ca href=\\\"\\/debt-counselling\\/\\\">debt counselling\u003C\\/a> vs. \u003Ca href=\\\"\\/debt-consolidation\\/\\\">debt consolidation.\u003C\\/a>\u003C\\/p>\\n\",\"anchorId\":\"\"},{\"fieldGroupName\":\"Steps\",\"introduction\":{\"supertitle\":\"Take the first step\",\"heading\":\"The Ontario Consumer Proposal Process\",\"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 with a Licensed Insolvency Trustee in Ontario, virtually or in person, to assess your financial 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 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evaluate your income, expenses, and debt to create a realistic repayment plan.\"},{\"icon\":{\"iD\":2740,\"id\":2740,\"title\":\"icons8-schedule\",\"filename\":\"icons8-schedule.svg\",\"filesize\":2590,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-schedule.svg\",\"link\":\"\\/financial-fit-check\\/icons8-schedule\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-schedule\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-06-24 15:00:15\",\"modified\":\"2024-07-02 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Expertise Across Ontario\",\"text\":\"From Toronto to Windsor, and Ottawa to Thunder Bay \\u2014 we serve communities all across Ontario with local, personalized 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 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Insolvency Trustees\",\"text\":\"Only a LIT can file a legally binding consumer proposal \\u2014 and our trustees are federally licensed and compassionate professionals.\"},{\"icon\":{\"iD\":2878,\"id\":2878,\"title\":\"check-circle\",\"filename\":\"check-circle.png\",\"filesize\":1020,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"link\":\"\\/financial-fit-check\\/check-circle\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"check-circle\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-07-02 22:00:40\",\"modified\":\"2024-07-02 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45 Years of Experience\",\"text\":\"Farber has helped more than 200,000 Canadians find meaningful, lasting debt relief.\"}],\"outroText\":\"\",\"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\\/5dbf3b71d997e372cb611d9f\",\"stars\":\"5\",\"text\":\"I went to Farber in North Bay, Ontario, desparate for help. I had gotten finanicially over my head and didn't know what to do. It was the best decision I ever made. Ray was kind, nonjudgemental and very knowledgeable. I can now breathe and get on with my life.\",\"name\":\"North Bay\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/reviews\\/5d6d33c4f0186907108addfb\",\"stars\":\"5\",\"text\":\"The staff at the Farber office in London Ontario have been extremely supportive and understanding during this whole process with me.\\r\\n\\r\\nI cannot think of anyone else that I would rather recommend to someone else who may find themselves in need of help with debt problems.\\r\\n\\r\\nI cannot say thank you enough for all of your help and knowledge.\\r\\n\\r\\nKeep up the great work!\",\"name\":\"Andrew R.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/5ca0edf911d267bf93161f22\",\"stars\":\"5\",\"text\":\"Upon driving to relocate from BC to Ontario , I found myself do to unforeseen travel expenses including an accident in severe financial difficulty . With only a meager pension income to draw from , as 83 year old , I would not have been able to clear my debt in my lifetime. I looked to Farber for help and a resolution . I was extremely lucky to be represented by Leah Needham . Her compassionate understanding for my situation eased my stress level and her professional assistance was outstanding and completely handled to my satisfaction\",\"name\":\"Helmut E.\"}],\"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\":4147,\"post_author\":\"6\",\"post_date\":\"2025-07-16 08:12:58\",\"post_date_gmt\":\"2025-07-16 12:12:58\",\"post_content\":\"Yes, it will impact your credit \\u2014 but not as severely as bankruptcy. A consumer proposal is reported as an R7 rating and is removed up to three years after you complete it.\\r\\n\\r\\n\u003Ca href=\\\"\\/blog\\/how-long-does-a-consumer-proposal-stay-on-a-credit-report\\\">Learn more about how a consumer proposal affects your credit.\u003C\\/a>\",\"post_title\":\"Will a consumer proposal affect my credit?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"will-a-consumer-proposal-affect-my-credit\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 08:12:58\",\"post_modified_gmt\":\"2025-07-16 12:12:58\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4147\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4148,\"post_author\":\"6\",\"post_date\":\"2025-07-16 08:14:08\",\"post_date_gmt\":\"2025-07-16 12:14:08\",\"post_content\":\"Absolutely. You can pay off your remaining balance at any time without penalties or additional fees.\",\"post_title\":\"Can I pay it off early?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-pay-it-off-early\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 08:14:08\",\"post_modified_gmt\":\"2025-07-16 12:14:08\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4148\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4149,\"post_author\":\"6\",\"post_date\":\"2025-07-16 08:14:53\",\"post_date_gmt\":\"2025-07-16 12:14:53\",\"post_content\":\"If your income changes or you\\u2019re struggling with payments, your Farber Licensed Insolvency Trustee can help adjust your proposal or explore alternative solutions.\",\"post_title\":\"What if my financial situation changes?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-if-my-financial-situation-changes\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 08:14:53\",\"post_modified_gmt\":\"2025-07-16 12:14:53\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4149\",\"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\":\"Nearby Offices Across Ontario\",\"text\":\"\u003Cp>\u003Cstrong>In-Person or Virtual Support \\u2014 Wherever You Are\u003C\\/strong>\u003C\\/p>\\n\u003Cp>Farber offers local, personalized debt help across the province. Visit one of our conveniently located offices in:\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"Toronto\",\"url\":\"\\/locations\\/north-york-east\",\"target\":\"\"}},{\"button\":{\"title\":\"Ottawa\",\"url\":\"\\/locations\\/ottawa\",\"target\":\"\"}},{\"button\":{\"title\":\"Mississauga\",\"url\":\"\\/locations\\/mississauga\",\"target\":\"\"}},{\"button\":{\"title\":\"Hamilton\",\"url\":\"\\/locations\\/hamilton\",\"target\":\"\"}},{\"button\":{\"title\":\"London\",\"url\":\"\\/locations\\/london\",\"target\":\"\"}},{\"button\":{\"title\":\"Windsor\",\"url\":\"\\/locations\\/windsor\",\"target\":\"\"}},{\"button\":{\"title\":\"Brampton\",\"url\":\"\\/locations\\/brampton\",\"target\":\"\"}},{\"button\":{\"title\":\"Barrie\",\"url\":\"\\/locations\\/barrie\",\"target\":\"\"}},{\"button\":{\"title\":\"Kingston\",\"url\":\"\\/locations\\/kingston\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"\",\"text\":\"\",\"list\":false,\"button\":{\"title\":\"Find your nearest Ontario location.\",\"url\":\"\\/locations\",\"target\":\"\"},\"backgroundColor\":\"bg-teal-dark\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"}]",{"pageNavigation":13},"default",{"title":6,"fullHead":15,"metaRobotsNoindex":16,"metaRobotsNofollow":17},"\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Struggling with debt in Ontario? Farber can help. Learn about consumer proposals and book a free consultation today.\" />\n\u003Clink rel=\"canonical\" href=\"/consumer-proposal/ontario/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Consumer Proposal Ontario\" />\n\u003Cmeta property=\"og:description\" content=\"Struggling with debt in Ontario? Farber can help. 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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},2796,"What you need to know","What-you-need-to-know-4.png",590554,"https://www.farber.ca/wp-content/uploads/2024/06/What-you-need-to-know-4.png","/cmpgn/debt-payment-calculator/what-you-need-to-know-5/","","6","what-you-need-to-know-5","inherit",2855,"2024-06-27 14:57:47","2024-07-18 13:57:56",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":49,"thumbnail-width":50,"thumbnail-height":50,"medium":51,"medium-width":52,"medium-height":53,"mediumLarge":54,"mediumLarge-width":55,"mediumLarge-height":56,"large":57,"large-width":58,"large-height":59,"1536x1536":60,"1536x1536-width":61,"1536x1536-height":62,"2048x2048":32,"2048x2048-width":46,"2048x2048-height":47,"gform-image-choice-sm":32,"gform-image-choice-sm-width":52,"gform-image-choice-sm-height":53,"gform-image-choice-md":32,"gform-image-choice-md-width":63,"gform-image-choice-md-height":64,"gform-image-choice-lg":32,"gform-image-choice-lg-width":65,"gform-image-choice-lg-height":66},"https://www.farber.ca/wp-content/uploads/2024/06/What-you-need-to-know-4-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/06/What-you-need-to-know-4-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/06/What-you-need-to-know-4-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/06/What-you-need-to-know-4-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/06/What-you-need-to-know-4-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/06/What-you-need-to-know-4.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 Federally Regulated Debt Solution","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a formal agreement that allows you to repay a portion of your unsecured debt, often reducing your total debt by up to 80%. This process is administered by a \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustee (LIT)\u003C/a>, who will work with you and your creditors under the protection of the \u003Ca class=\"text-teal\" href=\"https://laws-lois.justice.gc.ca/eng/acts/B-3/\" target=\"_blank\" rel=\"noopener\">Bankruptcy and Insolvency Act\u003C/a>.\u003C/p>\n","bg-white","contained","4/12",{"desktop":117,"mobile":118},"imageContent","contentImage",{"desktop":120,"mobile":120},"left","base",false,[],"light",{"fieldGroupName":87,"image":126,"supertitleStyling":110,"supertitle":78,"badgeNumber":34,"heading":143,"text":144,"button":145,"anchorId":79,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":148,"textAlignment":149,"bodyTextSize":121,"showArrowBelow":122,"spacing":150,"buttonStyling":151},{"iD":127,"id":127,"title":128,"filename":129,"filesize":130,"url":131,"link":132,"alt":34,"author":35,"description":34,"caption":34,"name":133,"status":37,"uploadedTo":134,"date":135,"modified":136,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"sizes":137,"relativeUrl":142},2780,"Debt Counselling 2","Debt-Counselling-2.png",333992,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2.png","/debt-counselling/debt-counselling-2/","debt-counselling-2",373,"2024-06-27 14:56:33","2024-06-27 15:15:07",{"thumbnail":138,"thumbnail-width":50,"thumbnail-height":50,"medium":139,"medium-width":102,"medium-height":52,"mediumLarge":140,"mediumLarge-width":55,"mediumLarge-height":104,"large":141,"large-width":106,"large-height":58,"1536x1536":131,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":131,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":131,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":131,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":131,"gform-image-choice-lg-width":108,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-976x1024.png","/wp-content/uploads/2024/06/Debt-Counselling-2.png","How Consumer Proposals Work in Ontario","\u003Cp>With a consumer proposal, you’ll make one fixed monthly payment that fits your budget. In return, creditors stop charging interest, and all collection activities — including calls and wage garnishments — are halted. At Farber, our team will guide you through every step of the process, from assessing your debt to communicating with creditors and filing the proposal. We serve clients across Ontario, offering both in-person and virtual consultations, ensuring that our guidance is always local, personal, and confidential.\u003C/p>\n",{"title":146,"url":147,"target":34},"Understand consumer proposals better","/blog/what-is-a-consumer-proposal",{"desktop":118,"mobile":118},{"desktop":120,"mobile":120},[],"dark",{"fieldGroupName":153,"supertitle":34,"heading":154,"introText":34,"icons":155,"outroText":34,"button":8,"anchorId":82,"backgroundColor":201,"padding":202,"iconSize":205,"iconAlignment":206},"IconGrid","Benefits of a Consumer Proposal in Ontario",[156,173,188],{"icon":157,"heading":171,"text":172},{"iD":158,"id":158,"title":159,"filename":160,"filesize":161,"url":162,"link":163,"alt":34,"author":35,"description":34,"caption":34,"name":159,"status":37,"uploadedTo":164,"date":165,"modified":165,"menuOrder":41,"mimeType":166,"type":43,"subtype":167,"icon":45,"width":168,"height":168,"sizes":169,"relativeUrl":170},3328,"icons8-low-price","icons8-low-price.svg",1888,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-low-price.svg","/?attachment_id=3328",348,"2024-07-22 09:49:42","image/svg+xml","svg+xml",96,{"thumbnail":162,"thumbnail-width":50,"thumbnail-height":50,"medium":162,"medium-width":52,"medium-height":52,"mediumLarge":162,"mediumLarge-width":55,"mediumLarge-height":55,"large":162,"large-width":58,"large-height":58,"1536x1536":162,"1536x1536-width":168,"1536x1536-height":168,"2048x2048":162,"2048x2048-width":168,"2048x2048-height":168,"gform-image-choice-sm":162,"gform-image-choice-sm-width":168,"gform-image-choice-sm-height":168,"gform-image-choice-md":162,"gform-image-choice-md-width":168,"gform-image-choice-md-height":168,"gform-image-choice-lg":162,"gform-image-choice-lg-width":168,"gform-image-choice-lg-height":168},"/wp-content/uploads/2024/06/icons8-low-price.svg","Avoid Bankruptcy","Achieve debt relief without losing your home, car, or other valuable assets.",{"icon":174,"heading":186,"text":187},{"iD":175,"id":175,"title":176,"filename":177,"filesize":178,"url":179,"link":180,"alt":34,"author":35,"description":34,"caption":34,"name":176,"status":37,"uploadedTo":181,"date":182,"modified":183,"menuOrder":41,"mimeType":166,"type":43,"subtype":167,"icon":45,"width":168,"height":168,"sizes":184,"relativeUrl":185},2739,"icons8-missed-call","icons8-missed-call.svg",1897,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-missed-call.svg","/bankruptcy/icons8-missed-call/",457,"2024-06-24 15:00:14","2024-06-24 17:16:09",{"thumbnail":179,"thumbnail-width":50,"thumbnail-height":50,"medium":179,"medium-width":52,"medium-height":52,"mediumLarge":179,"mediumLarge-width":55,"mediumLarge-height":55,"large":179,"large-width":58,"large-height":58,"1536x1536":179,"1536x1536-width":168,"1536x1536-height":168,"2048x2048":179,"2048x2048-width":168,"2048x2048-height":168,"gform-image-choice-sm":179,"gform-image-choice-sm-width":168,"gform-image-choice-sm-height":168,"gform-image-choice-md":179,"gform-image-choice-md-width":168,"gform-image-choice-md-height":168,"gform-image-choice-lg":179,"gform-image-choice-lg-width":168,"gform-image-choice-lg-height":168},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Stop Interest and Collections","Once your proposal is filed, all interest charges, collection calls, wage garnishments, and lawsuits are legally stopped.",{"icon":189,"heading":199,"text":200},{"iD":190,"id":190,"title":191,"filename":192,"filesize":193,"url":194,"link":195,"alt":34,"author":35,"description":34,"caption":34,"name":191,"status":37,"uploadedTo":181,"date":196,"modified":183,"menuOrder":41,"mimeType":166,"type":43,"subtype":167,"icon":45,"width":168,"height":168,"sizes":197,"relativeUrl":198},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":194,"thumbnail-width":50,"thumbnail-height":50,"medium":194,"medium-width":52,"medium-height":52,"mediumLarge":194,"mediumLarge-width":55,"mediumLarge-height":55,"large":194,"large-width":58,"large-height":58,"1536x1536":194,"1536x1536-width":168,"1536x1536-height":168,"2048x2048":194,"2048x2048-width":168,"2048x2048-height":168,"gform-image-choice-sm":194,"gform-image-choice-sm-width":168,"gform-image-choice-sm-height":168,"gform-image-choice-md":194,"gform-image-choice-md-width":168,"gform-image-choice-md-height":168,"gform-image-choice-lg":194,"gform-image-choice-lg-width":168,"gform-image-choice-lg-height":168},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","One Affordable Monthly Payment","Simplify your debt into one predictable payment that fits your budget and lifestyle.","bg-teal-lightest",[203,204],"top-padding","bottom-padding","96","middle",{"fieldGroupName":87,"image":208,"supertitleStyling":110,"supertitle":223,"badgeNumber":34,"heading":224,"text":225,"button":226,"anchorId":85,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":229,"textAlignment":230,"bodyTextSize":121,"showArrowBelow":122,"spacing":232,"buttonStyling":151},{"iD":209,"id":209,"title":210,"filename":211,"filesize":212,"url":213,"link":214,"alt":34,"author":35,"description":34,"caption":34,"name":215,"status":37,"uploadedTo":96,"date":216,"modified":216,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":58,"height":98,"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":50,"thumbnail-height":50,"medium":219,"medium-width":102,"medium-height":52,"mediumLarge":220,"mediumLarge-width":55,"mediumLarge-height":104,"large":221,"large-width":106,"large-height":58,"1536x1536":213,"1536x1536-width":58,"1536x1536-height":98,"2048x2048":213,"2048x2048-width":58,"2048x2048-height":98,"gform-image-choice-sm":213,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":52,"gform-image-choice-md":213,"gform-image-choice-md-width":107,"gform-image-choice-md-height":63,"gform-image-choice-lg":213,"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","Do You Qualify in Ontario?","Basic Eligibility Criteria","\u003Cp>You may be eligible for a consumer proposal in Ontario if you:\u003C/p>\n\u003Cul>\n\u003Cli>Owe less than $250,000 in unsecured debt (not including your mortgage)\u003C/li>\n\u003Cli>Are unable to pay your debts in full as they come due\u003C/li>\n\u003C/ul>\n\u003Cp> \u003C/p>\n\u003Cp class=\"-mb-5\">\u003Cstrong>Concerned about your home or mortgage renewal?\u003C/strong>\u003C/p>\n",{"title":227,"url":228,"target":34},"Here's what to know","/blog/how-a-consumer-proposal-can-impact-mortgage-renewal",{"desktop":117,"mobile":117},{"desktop":120,"mobile":231},"center",[],{"fieldGroupName":234,"heading":235,"text":236,"list":237,"button":8,"backgroundColor":113,"padding":246,"mobileColumns":247,"desktopColumns":248,"width":249},"SmallCheckmarkList","Types of Debt Included:","\u003Cp>Consumer proposals cover a wide range of unsecured debts, such as:\u003C/p>\n",[238,240,242,244],{"item":239},"Credit card balances",{"item":241},"Personal and payday loans",{"item":243},"CRA income tax debt",{"item":245},"Unsecured lines of credit",[204],"cols-1","auto","12/12",{"fieldGroupName":251,"heading":252,"text":253,"anchorId":34},"OptionsCallOut","Compare your other options:","\u003Cp class=\"large-paragraph\" style=\"text-align: center;\">\u003Ca href=\"/debt-counselling/\">debt counselling\u003C/a> vs. \u003Ca href=\"/debt-consolidation/\">debt consolidation.\u003C/a>\u003C/p>\n",{"fieldGroupName":255,"introduction":256,"steps":262,"showArrows":19,"anchorId":34},"Steps",{"supertitle":257,"heading":258,"button":259},"Take the first step","The Ontario Consumer Proposal Process",{"title":260,"url":261,"target":34},"Book a FREE consultation","/book-a-consultation",[263,276,290,302],{"icon":264,"text":275},{"iD":265,"id":265,"title":266,"filename":267,"filesize":268,"url":269,"link":270,"alt":34,"author":35,"description":34,"caption":34,"name":266,"status":37,"uploadedTo":164,"date":271,"modified":272,"menuOrder":41,"mimeType":166,"type":43,"subtype":167,"icon":45,"width":168,"height":168,"sizes":273,"relativeUrl":274},2721,"icons8-connected-people","icons8-connected-people.svg",2023,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-connected-people.svg","/?attachment_id=2721","2024-06-24 14:59:50","2024-06-24 16:54:55",{"thumbnail":269,"thumbnail-width":50,"thumbnail-height":50,"medium":269,"medium-width":52,"medium-height":52,"mediumLarge":269,"mediumLarge-width":55,"mediumLarge-height":55,"large":269,"large-width":58,"large-height":58,"1536x1536":269,"1536x1536-width":168,"1536x1536-height":168,"2048x2048":269,"2048x2048-width":168,"2048x2048-height":168,"gform-image-choice-sm":269,"gform-image-choice-sm-width":168,"gform-image-choice-sm-height":168,"gform-image-choice-md":269,"gform-image-choice-md-width":168,"gform-image-choice-md-height":168,"gform-image-choice-lg":269,"gform-image-choice-lg-width":168,"gform-image-choice-lg-height":168},"/wp-content/uploads/2024/06/icons8-connected-people.svg","Meet with a Licensed Insolvency Trustee in Ontario, virtually or in person, to assess your financial situation.",{"icon":277,"text":289},{"iD":278,"id":278,"title":279,"filename":280,"filesize":281,"url":282,"link":283,"alt":34,"author":35,"description":34,"caption":34,"name":279,"status":37,"uploadedTo":284,"date":285,"modified":286,"menuOrder":41,"mimeType":166,"type":43,"subtype":167,"icon":45,"width":168,"height":168,"sizes":287,"relativeUrl":288},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":282,"thumbnail-width":50,"thumbnail-height":50,"medium":282,"medium-width":52,"medium-height":52,"mediumLarge":282,"mediumLarge-width":55,"mediumLarge-height":55,"large":282,"large-width":58,"large-height":58,"1536x1536":282,"1536x1536-width":168,"1536x1536-height":168,"2048x2048":282,"2048x2048-width":168,"2048x2048-height":168,"gform-image-choice-sm":282,"gform-image-choice-sm-width":168,"gform-image-choice-sm-height":168,"gform-image-choice-md":282,"gform-image-choice-md-width":168,"gform-image-choice-md-height":168,"gform-image-choice-lg":282,"gform-image-choice-lg-width":168,"gform-image-choice-lg-height":168},"/wp-content/uploads/2024/06/icons8-document.svg","We’ll evaluate your income, expenses, and debt to create a realistic repayment plan.",{"icon":291,"text":301},{"iD":292,"id":292,"title":293,"filename":294,"filesize":295,"url":296,"link":297,"alt":34,"author":35,"description":34,"caption":34,"name":293,"status":37,"uploadedTo":284,"date":298,"modified":286,"menuOrder":41,"mimeType":166,"type":43,"subtype":167,"icon":45,"width":168,"height":168,"sizes":299,"relativeUrl":300},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":296,"thumbnail-width":50,"thumbnail-height":50,"medium":296,"medium-width":52,"medium-height":52,"mediumLarge":296,"mediumLarge-width":55,"mediumLarge-height":55,"large":296,"large-width":58,"large-height":58,"1536x1536":296,"1536x1536-width":168,"1536x1536-height":168,"2048x2048":296,"2048x2048-width":168,"2048x2048-height":168,"gform-image-choice-sm":296,"gform-image-choice-sm-width":168,"gform-image-choice-sm-height":168,"gform-image-choice-md":296,"gform-image-choice-md-width":168,"gform-image-choice-md-height":168,"gform-image-choice-lg":296,"gform-image-choice-lg-width":168,"gform-image-choice-lg-height":168},"/wp-content/uploads/2024/06/icons8-schedule.svg","Once filed, creditors have 45 days to vote. If the majority (by debt value) agree, the proposal becomes legally binding.",{"icon":303,"text":315},{"iD":304,"id":304,"title":305,"filename":306,"filesize":307,"url":308,"link":309,"alt":34,"author":35,"description":34,"caption":34,"name":305,"status":37,"uploadedTo":310,"date":311,"modified":312,"menuOrder":41,"mimeType":166,"type":43,"subtype":167,"icon":45,"width":168,"height":168,"sizes":313,"relativeUrl":314},2724,"icons8-card-payment","icons8-card-payment.svg",2524,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-card-payment.svg","/what-you-need-to-know/icons8-card-payment/",377,"2024-06-24 14:59:53","2024-06-24 17:15:37",{"thumbnail":308,"thumbnail-width":50,"thumbnail-height":50,"medium":308,"medium-width":52,"medium-height":52,"mediumLarge":308,"mediumLarge-width":55,"mediumLarge-height":55,"large":308,"large-width":58,"large-height":58,"1536x1536":308,"1536x1536-width":168,"1536x1536-height":168,"2048x2048":308,"2048x2048-width":168,"2048x2048-height":168,"gform-image-choice-sm":308,"gform-image-choice-sm-width":168,"gform-image-choice-sm-height":168,"gform-image-choice-md":308,"gform-image-choice-md-width":168,"gform-image-choice-md-height":168,"gform-image-choice-lg":308,"gform-image-choice-lg-width":168,"gform-image-choice-lg-height":168},"/wp-content/uploads/2024/06/icons8-card-payment.svg","You make one monthly payment. After the term ends, any remaining eligible debt is discharged.",{"fieldGroupName":153,"supertitle":34,"heading":317,"introText":34,"icons":318,"outroText":34,"button":8,"anchorId":34,"backgroundColor":201,"padding":343,"iconSize":344,"iconAlignment":345},"Why Choose Farber in Ontario?",[319,333,338],{"icon":320,"heading":331,"text":332},{"iD":321,"id":321,"title":322,"filename":323,"filesize":324,"url":325,"link":326,"alt":34,"author":35,"description":34,"caption":34,"name":322,"status":37,"uploadedTo":284,"date":327,"modified":327,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":328,"height":328,"sizes":329,"relativeUrl":330},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":325,"thumbnail-width":328,"thumbnail-height":328,"medium":325,"medium-width":328,"medium-height":328,"mediumLarge":325,"mediumLarge-width":328,"mediumLarge-height":328,"large":325,"large-width":328,"large-height":328,"1536x1536":325,"1536x1536-width":328,"1536x1536-height":328,"2048x2048":325,"2048x2048-width":328,"2048x2048-height":328,"gform-image-choice-sm":325,"gform-image-choice-sm-width":328,"gform-image-choice-sm-height":328,"gform-image-choice-md":325,"gform-image-choice-md-width":328,"gform-image-choice-md-height":328,"gform-image-choice-lg":325,"gform-image-choice-lg-width":328,"gform-image-choice-lg-height":328},"/wp-content/uploads/2024/07/check-circle.png","Local Expertise Across Ontario","From Toronto to Windsor, and Ottawa to Thunder Bay — we serve communities all across Ontario with local, personalized help.",{"icon":334,"heading":336,"text":337},{"iD":321,"id":321,"title":322,"filename":323,"filesize":324,"url":325,"link":326,"alt":34,"author":35,"description":34,"caption":34,"name":322,"status":37,"uploadedTo":284,"date":327,"modified":327,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":328,"height":328,"sizes":335,"relativeUrl":330},{"thumbnail":325,"thumbnail-width":328,"thumbnail-height":328,"medium":325,"medium-width":328,"medium-height":328,"mediumLarge":325,"mediumLarge-width":328,"mediumLarge-height":328,"large":325,"large-width":328,"large-height":328,"1536x1536":325,"1536x1536-width":328,"1536x1536-height":328,"2048x2048":325,"2048x2048-width":328,"2048x2048-height":328,"gform-image-choice-sm":325,"gform-image-choice-sm-width":328,"gform-image-choice-sm-height":328,"gform-image-choice-md":325,"gform-image-choice-md-width":328,"gform-image-choice-md-height":328,"gform-image-choice-lg":325,"gform-image-choice-lg-width":328,"gform-image-choice-lg-height":328},"Licensed Insolvency Trustees","Only a LIT can file a legally binding consumer proposal — and our trustees are federally licensed and compassionate professionals.",{"icon":339,"heading":341,"text":342},{"iD":321,"id":321,"title":322,"filename":323,"filesize":324,"url":325,"link":326,"alt":34,"author":35,"description":34,"caption":34,"name":322,"status":37,"uploadedTo":284,"date":327,"modified":327,"menuOrder":41,"mimeType":42,"type":43,"subtype":44,"icon":45,"width":328,"height":328,"sizes":340,"relativeUrl":330},{"thumbnail":325,"thumbnail-width":328,"thumbnail-height":328,"medium":325,"medium-width":328,"medium-height":328,"mediumLarge":325,"mediumLarge-width":328,"mediumLarge-height":328,"large":325,"large-width":328,"large-height":328,"1536x1536":325,"1536x1536-width":328,"1536x1536-height":328,"2048x2048":325,"2048x2048-width":328,"2048x2048-height":328,"gform-image-choice-sm":325,"gform-image-choice-sm-width":328,"gform-image-choice-sm-height":328,"gform-image-choice-md":325,"gform-image-choice-md-width":328,"gform-image-choice-md-height":328,"gform-image-choice-lg":325,"gform-image-choice-lg-width":328,"gform-image-choice-lg-height":328},"Over 45 Years of Experience","Farber has helped more than 200,000 Canadians find meaningful, lasting debt relief.",[203,204],"48","top",{"fieldGroupName":347,"reviews":348,"showTrustpilotSummaryLink":19,"anchorId":34,"backgroundColor":201,"padding":362},"ReviewSliderManualEntry",[349,354,358],{"url":350,"stars":351,"text":352,"name":353},"https://ca.trustpilot.com/users/5dbf3b71d997e372cb611d9f","5","I went to Farber in North Bay, Ontario, desparate for help. I had gotten finanicially over my head and didn't know what to do. It was the best decision I ever made. Ray was kind, nonjudgemental and very knowledgeable. I can now breathe and get on with my life.","North Bay",{"url":355,"stars":351,"text":356,"name":357},"https://ca.trustpilot.com/reviews/5d6d33c4f0186907108addfb","The staff at the Farber office in London Ontario have been extremely supportive and understanding during this whole process with me.\r\n\r\nI cannot think of anyone else that I would rather recommend to someone else who may find themselves in need of help with debt problems.\r\n\r\nI cannot say thank you enough for all of your help and knowledge.\r\n\r\nKeep up the great work!","Andrew R.",{"url":359,"stars":351,"text":360,"name":361},"https://ca.trustpilot.com/users/5ca0edf911d267bf93161f22","Upon driving to relocate from BC to Ontario , I found myself do to unforeseen travel expenses including an accident in severe financial difficulty . With only a meager pension income to draw from , as 83 year old , I would not have been able to clear my debt in my lifetime. I looked to Farber for help and a resolution . I was extremely lucky to be represented by Leah Needham . Her compassionate understanding for my situation eased my stress level and her professional assistance was outstanding and completely handled to my satisfaction","Helmut E.",[204],{"fieldGroupName":364,"anchorId":34,"layout":365,"form":366,"heading":34,"content":34,"hideContentOnMobile":122,"backgroundColor":113},"FormEmbed","1-col",{"ID":367,"post_author":35,"post_date":368,"post_date_gmt":369,"post_content":370,"post_title":371,"post_excerpt":34,"post_status":10,"comment_status":372,"ping_status":372,"post_password":34,"post_name":373,"to_ping":34,"pinged":34,"post_modified":374,"post_modified_gmt":375,"post_content_filtered":34,"post_parent":41,"guid":376,"menu_order":41,"post_type":377,"post_mime_type":34,"comment_count":378,"filter":379},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":381,"introduction":382,"type":385,"accordions":122,"faqs":386,"button":411,"enableSeoSchema":19,"anchorId":414},"FaqAccordion",{"supertitle":34,"heading":383,"text":384},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[387,395,403],{"ID":388,"post_author":35,"post_date":389,"post_date_gmt":390,"post_content":391,"post_title":392,"post_excerpt":34,"post_status":10,"comment_status":372,"ping_status":372,"post_password":34,"post_name":393,"to_ping":34,"pinged":34,"post_modified":389,"post_modified_gmt":390,"post_content_filtered":34,"post_parent":41,"guid":394,"menu_order":41,"post_type":385,"post_mime_type":34,"comment_count":378,"filter":379},4147,"2025-07-16 08:12:58","2025-07-16 12:12:58","Yes, it will impact your credit — but not as severely as bankruptcy. A consumer proposal is reported as an R7 rating and is removed up to three years after you complete it.\r\n\r\n\u003Ca href=\"/blog/how-long-does-a-consumer-proposal-stay-on-a-credit-report\">Learn more about how a consumer proposal affects your credit.\u003C/a>","Will a consumer proposal affect my credit?","will-a-consumer-proposal-affect-my-credit","https://prod-wp.farber.ca/?post_type=faq&p=4147",{"ID":396,"post_author":35,"post_date":397,"post_date_gmt":398,"post_content":399,"post_title":400,"post_excerpt":34,"post_status":10,"comment_status":372,"ping_status":372,"post_password":34,"post_name":401,"to_ping":34,"pinged":34,"post_modified":397,"post_modified_gmt":398,"post_content_filtered":34,"post_parent":41,"guid":402,"menu_order":41,"post_type":385,"post_mime_type":34,"comment_count":378,"filter":379},4148,"2025-07-16 08:14:08","2025-07-16 12:14:08","Absolutely. You can pay off your remaining balance at any time without penalties or additional fees.","Can I pay it off early?","can-i-pay-it-off-early","https://prod-wp.farber.ca/?post_type=faq&p=4148",{"ID":404,"post_author":35,"post_date":405,"post_date_gmt":406,"post_content":407,"post_title":408,"post_excerpt":34,"post_status":10,"comment_status":372,"ping_status":372,"post_password":34,"post_name":409,"to_ping":34,"pinged":34,"post_modified":405,"post_modified_gmt":406,"post_content_filtered":34,"post_parent":41,"guid":410,"menu_order":41,"post_type":385,"post_mime_type":34,"comment_count":378,"filter":379},4149,"2025-07-16 08:14:53","2025-07-16 12:14:53","If your income changes or you’re struggling with payments, your Farber Licensed Insolvency Trustee can help adjust your proposal or explore alternative solutions.","What if my financial situation changes?","what-if-my-financial-situation-changes","https://prod-wp.farber.ca/?post_type=faq&p=4149",{"title":412,"url":413,"target":34},"See more FAQ","/faq","faqs",{"fieldGroupName":416,"heading":417,"text":418,"ctas":419,"anchorId":34,"buttonStyling":456,"colorTheme":457},"CtasBanner","Nearby Offices Across Ontario","\u003Cp>\u003Cstrong>In-Person or Virtual Support — Wherever You Are\u003C/strong>\u003C/p>\n\u003Cp>Farber offers local, personalized debt help across the province. Visit one of our conveniently located offices in:\u003C/p>\n",[420,424,428,432,436,440,444,448,452],{"button":421},{"title":422,"url":423,"target":34},"Toronto","/locations/north-york-east",{"button":425},{"title":426,"url":427,"target":34},"Ottawa","/locations/ottawa",{"button":429},{"title":430,"url":431,"target":34},"Mississauga","/locations/mississauga",{"button":433},{"title":434,"url":435,"target":34},"Hamilton","/locations/hamilton",{"button":437},{"title":438,"url":439,"target":34},"London","/locations/london",{"button":441},{"title":442,"url":443,"target":34},"Windsor","/locations/windsor",{"button":445},{"title":446,"url":447,"target":34},"Brampton","/locations/brampton",{"button":449},{"title":450,"url":451,"target":34},"Barrie","/locations/barrie",{"button":453},{"title":454,"url":455,"target":34},"Kingston","/locations/kingston","right-arrow","teal",{"fieldGroupName":234,"heading":34,"text":34,"list":122,"button":459,"backgroundColor":462,"padding":463,"mobileColumns":247,"desktopColumns":248,"width":249},{"title":460,"url":461,"target":34},"Find 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