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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 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is a consumer proposal?\",\"badgeNumber\":\"\",\"heading\":\"A Legally Binding Debt Settlement Option\",\"text\":\"\u003Cp>A \u003Ca class=\\\"text-teal\\\" href=\\\"\\/consumer-proposal\\/\\\">consumer proposal\u003C\\/a> is a powerful, government-regulated alternative to bankruptcy. It\\u2019s a legally binding agreement between you and your creditors to repay a portion of your unsecured debt \\u2014 often reducing what you owe by up to 80%. 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You\\u2019ll make one fixed monthly payment \\u2014 often much lower than your current debt payments \\u2014 typically over a period of up to five years, providing a clear path to \u003Ca class=\\\"text-teal\\\" href=\\\"\\/debt-relief\\/\\\">debt relief\u003C\\/a>.\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"getting-started\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"contentImage\",\"mobile\":\"contentImage\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"left\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"dark\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Choose a Consumer Proposal Over Bankruptcy?\",\"introText\":\"\",\"icons\":[{\"icon\":{\"iD\":2741,\"id\":2741,\"title\":\"icons8-money-box\",\"filename\":\"icons8-money-box.svg\",\"filesize\":2898,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"link\":\"\\/what-you-need-to-know\\/icons8-money-box\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-money-box\",\"status\":\"inherit\",\"uploadedTo\":377,\"date\":\"2024-06-24 15:00:16\",\"modified\":\"2024-06-24 17:15:37\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-money-box.svg\"},\"heading\":\"Keep Your Assets\",\"text\":\"With a consumer proposal, you can hold onto key assets like your home, vehicle, and RRSPs \\u2014 unlike bankruptcy, which may require you to give some of those up. It\\u2019s a practical solution that helps you deal with debt without losing what you\\u2019ve worked hard for.\"},{\"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\":\"Freeze Interest and Stop Collection Calls\",\"text\":\"Once your proposal is filed, interest on your debts stops building \\u2014 and creditors can\\u2019t pursue legal action like wage garnishments or lawsuits. That means less pressure and more space to focus on your finances.\"},{\"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\":\"Flexible Repayment Terms\",\"text\":\"You\\u2019ll make one manageable monthly payment based on your budget, usually much lower than your current total payments. Repayment is typically spread out over up to five years, giving you a stable, structured way to regain financial control.\"}],\"outroText\":\"\u003Cp>Not sure if a consumer proposal is right for you? You may need to seek out \u003Ca class=\\\"text-teal\\\" href=\\\"\\/debt-counselling\\/\\\">debt counselling\u003C\\/a> or \u003Ca class=\\\"text-teal\\\" href=\\\"\\/debt-consolidation\\/\\\">debt consolidation\u003C\\/a> services to help you explore all your debt relief options. These services are offered by credit counselling agencies or financial institutions like a bank.\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"benefits\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"iconSize\":\"96\",\"iconAlignment\":\"middle\"},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":2760,\"id\":2760,\"title\":\"Consumer Proposal 2 (1)\",\"filename\":\"Consumer-Proposal-2-1.png\",\"filesize\":223414,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"link\":\"\\/consumer-proposal\\/consumer-proposal-2-1\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"consumer-proposal-2-1\",\"status\":\"inherit\",\"uploadedTo\":225,\"date\":\"2024-06-25 20:53:14\",\"modified\":\"2024-06-25 20:53:14\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1024,\"height\":1074,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-sm-width\":286,\"gform-image-choice-sm-height\":300,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-md-width\":381,\"gform-image-choice-md-height\":400,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Consumer-Proposal-2-1.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"Am I Eligible for a Consumer Proposal in Saskatchewan?\",\"badgeNumber\":\"\",\"heading\":\"Consumer Proposal Qualification\",\"text\":\"\u003Cp>You may qualify 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 insolvent (unable to pay debts as they come due)\u003C\\/li>\\n\u003C\\/ul>\\n\",\"button\":\"\",\"anchorId\":\"eligibility\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"imageContent\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"center\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"dark\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"Common Types of Debt Included\",\"text\":\"\u003Cp>Consumer proposals can cover a wide range of unsecured debts, including:\u003C\\/p>\\n\",\"list\":[{\"item\":\"Credit card debt\"},{\"item\":\"CRA tax debt\"},{\"item\":\"Payday loans\"},{\"item\":\"Personal loans\"},{\"item\":\"Unsecured lines of credit\"}],\"button\":\"\",\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"Steps\",\"introduction\":{\"supertitle\":\"Take the first step\",\"heading\":\"The Consumer Proposal Process in Saskatchewan\",\"button\":{\"title\":\"Book a FREE 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We handle payments to your creditors while you begin to rebuild your financial future.\"}],\"showArrows\":true,\"anchorId\":\"\"},{\"fieldGroupName\":\"IconGrid\",\"supertitle\":\"\",\"heading\":\"Why Saskatchewan Residents Trust Farber\",\"introText\":\"\",\"icons\":[{\"icon\":{\"iD\":2878,\"id\":2878,\"title\":\"check-circle\",\"filename\":\"check-circle.png\",\"filesize\":1020,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/check-circle.png\",\"link\":\"\\/financial-fit-check\\/check-circle\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"check-circle\",\"status\":\"inherit\",\"uploadedTo\":353,\"date\":\"2024-07-02 22:00:40\",\"modified\":\"2024-07-02 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Support, Province-Wide\",\"text\":\"Farber provides both in-person and virtual debt help in Saskatchewan, making it easy to access expert support wherever you are.\"},{\"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\":\"Our team of insolvency trustees is federally licensed and has been helping Canadians reduce their debt since 1979.\"},{\"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\":\"Personalized Debt Help, Without Judgment\",\"text\":\"Every person\\u2019s debt story is different \\u2014 which is why we tailor every consumer proposal to your financial reality with empathy, clarity, and no pressure. We also offer debt counselling services to help you build long-term financial habits and stay on track after your proposal is complete.\"}],\"outroText\":\"\",\"button\":\"\",\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"iconSize\":\"48\",\"iconAlignment\":\"top\"},{\"fieldGroupName\":\"ReviewSliderManualEntry\",\"reviews\":[{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/68557bbd2f247806312580a6\",\"stars\":\"5\",\"text\":\"You guys really went above and beyond to lower my debt and make my monthly payments manageable, which is awesome! I especially want to thank Sabira Jiwani and Barry for their incredible assistance. They were so helpful and patient, and I really appreciate it. Thanks to you all!\",\"name\":\"Joden V.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/685b4e254e662df2ce4e6c71\",\"stars\":\"5\",\"text\":\"Farber made this quick and easy and straight to the point. They were very professional and prompt with their services and willing to help. A friend of mine referred me to them and today five years later is buying his first home and was able to restart his finances and im grateful to say Farber has helped me be able to start over. Thank you your services were greatly appreciated\",\"name\":\"Joshua V.\"},{\"url\":\"https:\\/\\/ca.trustpilot.com\\/users\\/6845e998f0e9f315546890ae\",\"stars\":\"5\",\"text\":\"Never knew Farber existed until a couple of weeks ago. I'm still surprised that more Canadians don't know about this wonderful lifetime opportunity! I gladly started to speak to friends and colleagues who are in debt about Farber Debt Solutions. It felt great to help a friend with this information, especially when he told me how satisfied he was about feeling debt free. On top of that, I was glad to see that there is a counselling program that gives support, education and guidance on managing debt. Thank you so much and I encourage anyone who is reading this review to inform a friend who is not aware that there is real help. Thank you again for freeing my years of burden.\",\"name\":\"Mashaka K.\"}],\"showTrustpilotSummaryLink\":true,\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"bottom-padding\"]},{\"fieldGroupName\":\"FormEmbed\",\"anchorId\":\"\",\"layout\":\"1-col\",\"form\":{\"ID\":322,\"post_author\":\"6\",\"post_date\":\"2024-06-05 14:23:04\",\"post_date_gmt\":\"2024-06-05 18:23:04\",\"post_content\":\"\u003Ch2>Your free, confidential consultation is waiting\u003C\\/h2>\\r\\nPlease fill in the required fields (marked with *)\\r\\n\\r\\n[gravityform id=\\\"11\\\" title=\\\"false\\\" ajax=\\\"true\\\"]\",\"post_title\":\"Book a Consultation\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"book-a-consultation\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2024-08-12 10:54:31\",\"post_modified_gmt\":\"2024-08-12 14:54:31\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=form_embed&p=322\",\"menu_order\":0,\"post_type\":\"form_embed\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},\"heading\":\"\",\"content\":\"\",\"hideContentOnMobile\":false,\"backgroundColor\":\"bg-white\"},{\"fieldGroupName\":\"FaqAccordion\",\"introduction\":{\"supertitle\":\"\",\"heading\":\"Frequently asked questions\",\"text\":\"Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.\"},\"type\":\"faq\",\"accordions\":false,\"faqs\":[{\"ID\":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\":4186,\"post_author\":\"6\",\"post_date\":\"2025-07-16 11:11:53\",\"post_date_gmt\":\"2025-07-16 15:11:53\",\"post_content\":\"Yes. You can pay off the balance at any time without penalties or fees.\",\"post_title\":\"Can I pay off a proposal early?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-i-pay-off-a-proposal-early\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 11:11:53\",\"post_modified_gmt\":\"2025-07-16 15:11:53\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4186\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":4187,\"post_author\":\"6\",\"post_date\":\"2025-07-16 11:12:34\",\"post_date_gmt\":\"2025-07-16 15:12:34\",\"post_content\":\"If your creditors reject the first offer, we can revise and renegotiate the terms \\u2014 or explore other options, including \u003Ca href=\\\"\\/bankruptcy\\\">bankruptcy\u003C\\/a>, if necessary. You can learn more about your legal rights under the \u003Ca href=\\\"https:\\/\\/laws-lois.justice.gc.ca\\/eng\\/acts\\/B-3\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Bankruptcy and Insolvency Act (Justice Canada)\u003C\\/a>.\",\"post_title\":\"What happens if my creditors reject the proposal?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-happens-if-my-creditors-reject-the-proposal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-07-16 11:12:34\",\"post_modified_gmt\":\"2025-07-16 15:12:34\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=4187\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"button\":{\"title\":\"See more FAQ\",\"url\":\"\\/faq\",\"target\":\"\"},\"enableSeoSchema\":true,\"anchorId\":\"faqs\"},{\"fieldGroupName\":\"CtasBanner\",\"heading\":\"Learn More About Our Saskatchewan Locations\",\"text\":\"\u003Cp>We have offices across Saskatchewan, including:\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"Regina\",\"url\":\"\\/locations\\/regina\",\"target\":\"\"}},{\"button\":{\"title\":\"Prince Albert\",\"url\":\"\\/locations\\/prince-albert\",\"target\":\"\"}},{\"button\":{\"title\":\"Saskatoon\",\"url\":\"\\/locations\\/saskatoon\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"}]",{"pageNavigation":13},"default",{"title":6,"fullHead":15,"metaRobotsNoindex":16,"metaRobotsNofollow":17},"\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Reduce your debt with a consumer proposal in Saskatchewan. Farber can help you avoid bankruptcy. Book your free consultation today.\" />\n\u003Clink rel=\"canonical\" href=\"/consumer-proposal/saskatchewan/\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Consumer Proposal Saskatchewan\" />\n\u003Cmeta property=\"og:description\" content=\"Reduce your debt with a consumer proposal in Saskatchewan. Farber can help you avoid bankruptcy. Book your free consultation today.\" />\n\u003Cmeta property=\"og:url\" content=\"/consumer-proposal/saskatchewan/\" />\n\u003Cmeta property=\"og:site_name\" content=\"Farber Debt Solutions\" />\n\u003Cmeta property=\"article:modified_time\" content=\"2025-07-16T15:13:47+00:00\" />\n\u003Cmeta name=\"twitter:card\" content=\"summary_large_image\" />\n\u003Cscript type=\"application/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https://schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"/consumer-proposal/saskatchewan/\",\"url\":\"/consumer-proposal/saskatchewan/\",\"name\":\"Consumer Proposal Saskatchewan\",\"isPartOf\":{\"@id\":\"/#website\"},\"datePublished\":\"2025-07-16T15:12:45+00:00\",\"dateModified\":\"2025-07-16T15:13:47+00:00\",\"description\":\"Reduce your debt with a consumer proposal in Saskatchewan. Farber can help you avoid bankruptcy. 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It must be filed through a Licensed Insolvency Trustee (LIT), like our team.",{"iD":28,"id":28,"title":29,"filename":30,"filesize":31,"url":32,"link":33,"alt":34,"author":35,"description":34,"caption":34,"name":36,"status":37,"uploadedTo":38,"date":39,"modified":39,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":45,"height":46,"sizes":47,"relativeUrl":66},3290,"Debt Consolidation","Debt-Consolidation.png",653940,"https://www.farber.ca/wp-content/uploads/2024/07/Debt-Consolidation.png","/debt-consolidation/debt-consolidation-2/","","6","debt-consolidation-2","inherit",459,"2024-07-17 16:05:02",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":48,"thumbnail-width":49,"thumbnail-height":49,"medium":50,"medium-width":51,"medium-height":52,"mediumLarge":53,"mediumLarge-width":54,"mediumLarge-height":55,"large":56,"large-width":57,"large-height":58,"1536x1536":59,"1536x1536-width":60,"1536x1536-height":61,"2048x2048":32,"2048x2048-width":45,"2048x2048-height":46,"gform-image-choice-sm":32,"gform-image-choice-sm-width":51,"gform-image-choice-sm-height":52,"gform-image-choice-md":32,"gform-image-choice-md-width":62,"gform-image-choice-md-height":63,"gform-image-choice-lg":32,"gform-image-choice-lg-width":64,"gform-image-choice-lg-height":65},"https://www.farber.ca/wp-content/uploads/2024/07/Debt-Consolidation-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/07/Debt-Consolidation-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/07/Debt-Consolidation-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/07/Debt-Consolidation-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/07/Debt-Consolidation-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/07/Debt-Consolidation.png","bg-gold-lightest",[],{"fieldGroupName":70,"heading":71,"anchors":72},"AnchorLinks","On this page",[73,76,79,82],{"title":74,"anchorId":75},"What is a consumer proposal?","what-is-a-consumer-proposal",{"title":77,"anchorId":78},"Getting started","getting-started",{"title":80,"anchorId":81},"Benefits","benefits",{"title":83,"anchorId":84},"Eligibility","eligibility",{"fieldGroupName":86,"image":87,"supertitleStyling":109,"supertitle":74,"badgeNumber":34,"heading":110,"text":111,"button":34,"anchorId":75,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":115,"textAlignment":118,"bodyTextSize":120,"showArrowBelow":121,"spacing":122,"buttonStyling":123},"ImageTextBanner",{"iD":88,"id":88,"title":89,"filename":90,"filesize":91,"url":92,"link":93,"alt":34,"author":35,"description":34,"caption":34,"name":94,"status":37,"uploadedTo":95,"date":96,"modified":96,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":57,"height":97,"sizes":98,"relativeUrl":108},2752,"Consumer Proposal 1","Consumer-Proposal-1.png",236037,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1.png","/consumer-proposal/consumer-proposal-1/","consumer-proposal-1",225,"2024-06-25 13:38:23",1074,{"thumbnail":99,"thumbnail-width":49,"thumbnail-height":49,"medium":100,"medium-width":101,"medium-height":51,"mediumLarge":102,"mediumLarge-width":54,"mediumLarge-height":103,"large":104,"large-width":105,"large-height":57,"1536x1536":92,"1536x1536-width":57,"1536x1536-height":97,"2048x2048":92,"2048x2048-width":57,"2048x2048-height":97,"gform-image-choice-sm":92,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":51,"gform-image-choice-md":92,"gform-image-choice-md-width":106,"gform-image-choice-md-height":62,"gform-image-choice-lg":92,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":64},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-286x300.png",286,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-768x806.png",806,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-976x1024.png",976,381,572,"/wp-content/uploads/2024/06/Consumer-Proposal-1.png","regular","A Legally Binding Debt Settlement Option","\u003Cp>A \u003Ca class=\"text-teal\" href=\"/consumer-proposal/\">consumer proposal\u003C/a> is a powerful, government-regulated alternative to bankruptcy. It’s a legally binding agreement between you and your creditors to repay a portion of your unsecured debt — often reducing what you owe by up to 80%. Filed by a \u003Ca class=\"text-teal\" href=\"/why-a-licensed-insolvency-trustee/\">Licensed Insolvency Trustee (LIT\u003C/a>), a consumer proposal immediately stops collection calls, wage garnishments, and interest charges, giving you the space and support to rebuild.\u003C/p>\n","bg-white","contained","4/12",{"desktop":116,"mobile":117},"imageContent","contentImage",{"desktop":119,"mobile":119},"left","base",false,[],"light",{"fieldGroupName":86,"image":125,"supertitleStyling":109,"supertitle":77,"badgeNumber":34,"heading":142,"text":143,"button":34,"anchorId":78,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":144,"textAlignment":145,"bodyTextSize":120,"showArrowBelow":121,"spacing":146,"buttonStyling":147},{"iD":126,"id":126,"title":127,"filename":128,"filesize":129,"url":130,"link":131,"alt":34,"author":35,"description":34,"caption":34,"name":132,"status":37,"uploadedTo":133,"date":134,"modified":135,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":57,"height":97,"sizes":136,"relativeUrl":141},2780,"Debt Counselling 2","Debt-Counselling-2.png",333992,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2.png","/debt-counselling/debt-counselling-2/","debt-counselling-2",373,"2024-06-27 14:56:33","2024-06-27 15:15:07",{"thumbnail":137,"thumbnail-width":49,"thumbnail-height":49,"medium":138,"medium-width":101,"medium-height":51,"mediumLarge":139,"mediumLarge-width":54,"mediumLarge-height":103,"large":140,"large-width":105,"large-height":57,"1536x1536":130,"1536x1536-width":57,"1536x1536-height":97,"2048x2048":130,"2048x2048-width":57,"2048x2048-height":97,"gform-image-choice-sm":130,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":51,"gform-image-choice-md":130,"gform-image-choice-md-width":106,"gform-image-choice-md-height":62,"gform-image-choice-lg":130,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":64},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-976x1024.png","/wp-content/uploads/2024/06/Debt-Counselling-2.png","How It Works in Saskatchewan","\u003Cp>Your trustee at Farber will help you create a fair, realistic repayment plan based on what you can afford. You’ll make one fixed monthly payment — often much lower than your current debt payments — typically over a period of up to five years, providing a clear path to \u003Ca class=\"text-teal\" href=\"/debt-relief/\">debt relief\u003C/a>.\u003C/p>\n",{"desktop":117,"mobile":117},{"desktop":119,"mobile":119},[],"dark",{"fieldGroupName":149,"supertitle":34,"heading":150,"introText":34,"icons":151,"outroText":198,"button":34,"anchorId":81,"backgroundColor":199,"padding":200,"iconSize":203,"iconAlignment":204},"IconGrid","Why Choose a Consumer Proposal Over Bankruptcy?",[152,170,185],{"icon":153,"heading":168,"text":169},{"iD":154,"id":154,"title":155,"filename":156,"filesize":157,"url":158,"link":159,"alt":34,"author":35,"description":34,"caption":34,"name":155,"status":37,"uploadedTo":160,"date":161,"modified":162,"menuOrder":40,"mimeType":163,"type":42,"subtype":164,"icon":44,"width":165,"height":165,"sizes":166,"relativeUrl":167},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","image/svg+xml","svg+xml",96,{"thumbnail":158,"thumbnail-width":49,"thumbnail-height":49,"medium":158,"medium-width":51,"medium-height":51,"mediumLarge":158,"mediumLarge-width":54,"mediumLarge-height":54,"large":158,"large-width":57,"large-height":57,"1536x1536":158,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":158,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":158,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":158,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":158,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-money-box.svg","Keep Your Assets","With a consumer proposal, you can hold onto key assets like your home, vehicle, and RRSPs — unlike bankruptcy, which may require you to give some of those up. It’s a practical solution that helps you deal with debt without losing what you’ve worked hard for.",{"icon":171,"heading":183,"text":184},{"iD":172,"id":172,"title":173,"filename":174,"filesize":175,"url":176,"link":177,"alt":34,"author":35,"description":34,"caption":34,"name":173,"status":37,"uploadedTo":178,"date":179,"modified":180,"menuOrder":40,"mimeType":163,"type":42,"subtype":164,"icon":44,"width":165,"height":165,"sizes":181,"relativeUrl":182},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":176,"thumbnail-width":49,"thumbnail-height":49,"medium":176,"medium-width":51,"medium-height":51,"mediumLarge":176,"mediumLarge-width":54,"mediumLarge-height":54,"large":176,"large-width":57,"large-height":57,"1536x1536":176,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":176,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":176,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":176,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":176,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Freeze Interest and Stop Collection Calls","Once your proposal is filed, interest on your debts stops building — and creditors can’t pursue legal action like wage garnishments or lawsuits. That means less pressure and more space to focus on your finances.",{"icon":186,"heading":196,"text":197},{"iD":187,"id":187,"title":188,"filename":189,"filesize":190,"url":191,"link":192,"alt":34,"author":35,"description":34,"caption":34,"name":188,"status":37,"uploadedTo":178,"date":193,"modified":180,"menuOrder":40,"mimeType":163,"type":42,"subtype":164,"icon":44,"width":165,"height":165,"sizes":194,"relativeUrl":195},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":191,"thumbnail-width":49,"thumbnail-height":49,"medium":191,"medium-width":51,"medium-height":51,"mediumLarge":191,"mediumLarge-width":54,"mediumLarge-height":54,"large":191,"large-width":57,"large-height":57,"1536x1536":191,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":191,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":191,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":191,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":191,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","Flexible Repayment Terms","You’ll make one manageable monthly payment based on your budget, usually much lower than your current total payments. Repayment is typically spread out over up to five years, giving you a stable, structured way to regain financial control.","\u003Cp>Not sure if a consumer proposal is right for you? You may need to seek out \u003Ca class=\"text-teal\" href=\"/debt-counselling/\">debt counselling\u003C/a> or \u003Ca class=\"text-teal\" href=\"/debt-consolidation/\">debt consolidation\u003C/a> services to help you explore all your debt relief options. These services are offered by credit counselling agencies or financial institutions like a bank.\u003C/p>\n","bg-teal-lightest",[201,202],"top-padding","bottom-padding","96","middle",{"fieldGroupName":86,"image":206,"supertitleStyling":109,"supertitle":221,"badgeNumber":34,"heading":222,"text":223,"button":34,"anchorId":84,"backgroundColor":112,"imageContainer":113,"imageSize":114,"layout":224,"textAlignment":225,"bodyTextSize":120,"showArrowBelow":121,"spacing":227,"buttonStyling":147},{"iD":207,"id":207,"title":208,"filename":209,"filesize":210,"url":211,"link":212,"alt":34,"author":35,"description":34,"caption":34,"name":213,"status":37,"uploadedTo":95,"date":214,"modified":214,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":57,"height":97,"sizes":215,"relativeUrl":220},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":216,"thumbnail-width":49,"thumbnail-height":49,"medium":217,"medium-width":101,"medium-height":51,"mediumLarge":218,"mediumLarge-width":54,"mediumLarge-height":103,"large":219,"large-width":105,"large-height":57,"1536x1536":211,"1536x1536-width":57,"1536x1536-height":97,"2048x2048":211,"2048x2048-width":57,"2048x2048-height":97,"gform-image-choice-sm":211,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":51,"gform-image-choice-md":211,"gform-image-choice-md-width":106,"gform-image-choice-md-height":62,"gform-image-choice-lg":211,"gform-image-choice-lg-width":107,"gform-image-choice-lg-height":64},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-2-1-976x1024.png","/wp-content/uploads/2024/06/Consumer-Proposal-2-1.png","Am I Eligible for a Consumer Proposal in Saskatchewan?","Consumer Proposal Qualification","\u003Cp>You may qualify 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 insolvent (unable to pay debts as they come due)\u003C/li>\n\u003C/ul>\n",{"desktop":116,"mobile":116},{"desktop":119,"mobile":226},"center",[],{"fieldGroupName":229,"heading":230,"text":231,"list":232,"button":34,"backgroundColor":112,"padding":243,"mobileColumns":244,"desktopColumns":245,"width":246},"SmallCheckmarkList","Common Types of Debt Included","\u003Cp>Consumer proposals can cover a wide range of unsecured debts, including:\u003C/p>\n",[233,235,237,239,241],{"item":234},"Credit card debt",{"item":236},"CRA tax debt",{"item":238},"Payday loans",{"item":240},"Personal loans",{"item":242},"Unsecured lines of credit",[202],"cols-1","auto","12/12",{"fieldGroupName":248,"introduction":249,"steps":255,"showArrows":19,"anchorId":34},"Steps",{"supertitle":250,"heading":251,"button":252},"Take the first step","The Consumer Proposal Process in Saskatchewan",{"title":253,"url":254,"target":34},"Book a FREE consultation","/book-a-consultation",[256,270,284,296],{"icon":257,"text":269},{"iD":258,"id":258,"title":259,"filename":260,"filesize":261,"url":262,"link":263,"alt":34,"author":35,"description":34,"caption":34,"name":259,"status":37,"uploadedTo":264,"date":265,"modified":266,"menuOrder":40,"mimeType":163,"type":42,"subtype":164,"icon":44,"width":165,"height":165,"sizes":267,"relativeUrl":268},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":262,"thumbnail-width":49,"thumbnail-height":49,"medium":262,"medium-width":51,"medium-height":51,"mediumLarge":262,"mediumLarge-width":54,"mediumLarge-height":54,"large":262,"large-width":57,"large-height":57,"1536x1536":262,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":262,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":262,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":262,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":262,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-connected-people.svg","Meet with a Licensed Insolvency Trustee in Saskatchewan (virtually or in person) to discuss your financial situation.",{"icon":271,"text":283},{"iD":272,"id":272,"title":273,"filename":274,"filesize":275,"url":276,"link":277,"alt":34,"author":35,"description":34,"caption":34,"name":273,"status":37,"uploadedTo":278,"date":279,"modified":280,"menuOrder":40,"mimeType":163,"type":42,"subtype":164,"icon":44,"width":165,"height":165,"sizes":281,"relativeUrl":282},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":276,"thumbnail-width":49,"thumbnail-height":49,"medium":276,"medium-width":51,"medium-height":51,"mediumLarge":276,"mediumLarge-width":54,"mediumLarge-height":54,"large":276,"large-width":57,"large-height":57,"1536x1536":276,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":276,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":276,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":276,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":276,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-document.svg","We’ll build a custom proposal based on your budget and negotiate terms that your creditors are likely to accept.",{"icon":285,"text":295},{"iD":286,"id":286,"title":287,"filename":288,"filesize":289,"url":290,"link":291,"alt":34,"author":35,"description":34,"caption":34,"name":287,"status":37,"uploadedTo":278,"date":292,"modified":280,"menuOrder":40,"mimeType":163,"type":42,"subtype":164,"icon":44,"width":165,"height":165,"sizes":293,"relativeUrl":294},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":290,"thumbnail-width":49,"thumbnail-height":49,"medium":290,"medium-width":51,"medium-height":51,"mediumLarge":290,"mediumLarge-width":54,"mediumLarge-height":54,"large":290,"large-width":57,"large-height":57,"1536x1536":290,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":290,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":290,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":290,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":290,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-schedule.svg","Once the proposal is filed with the Office of the Superintendent of Bankruptcy, creditors have 45 days to vote. If a majority of creditors (by debt value) accept, all are bound by the terms.",{"icon":297,"text":307},{"iD":298,"id":298,"title":299,"filename":300,"filesize":301,"url":302,"link":303,"alt":34,"author":35,"description":34,"caption":34,"name":299,"status":37,"uploadedTo":160,"date":304,"modified":162,"menuOrder":40,"mimeType":163,"type":42,"subtype":164,"icon":44,"width":165,"height":165,"sizes":305,"relativeUrl":306},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":302,"thumbnail-width":49,"thumbnail-height":49,"medium":302,"medium-width":51,"medium-height":51,"mediumLarge":302,"mediumLarge-width":54,"mediumLarge-height":54,"large":302,"large-width":57,"large-height":57,"1536x1536":302,"1536x1536-width":165,"1536x1536-height":165,"2048x2048":302,"2048x2048-width":165,"2048x2048-height":165,"gform-image-choice-sm":302,"gform-image-choice-sm-width":165,"gform-image-choice-sm-height":165,"gform-image-choice-md":302,"gform-image-choice-md-width":165,"gform-image-choice-md-height":165,"gform-image-choice-lg":302,"gform-image-choice-lg-width":165,"gform-image-choice-lg-height":165},"/wp-content/uploads/2024/06/icons8-card-payment.svg","Make one low monthly payment to Farber. We handle payments to your creditors while you begin to rebuild your financial future.",{"fieldGroupName":149,"supertitle":34,"heading":309,"introText":34,"icons":310,"outroText":34,"button":34,"anchorId":34,"backgroundColor":199,"padding":335,"iconSize":336,"iconAlignment":337},"Why Saskatchewan Residents Trust Farber",[311,325,330],{"icon":312,"heading":323,"text":324},{"iD":313,"id":313,"title":314,"filename":315,"filesize":316,"url":317,"link":318,"alt":34,"author":35,"description":34,"caption":34,"name":314,"status":37,"uploadedTo":278,"date":319,"modified":319,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":320,"height":320,"sizes":321,"relativeUrl":322},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":317,"thumbnail-width":320,"thumbnail-height":320,"medium":317,"medium-width":320,"medium-height":320,"mediumLarge":317,"mediumLarge-width":320,"mediumLarge-height":320,"large":317,"large-width":320,"large-height":320,"1536x1536":317,"1536x1536-width":320,"1536x1536-height":320,"2048x2048":317,"2048x2048-width":320,"2048x2048-height":320,"gform-image-choice-sm":317,"gform-image-choice-sm-width":320,"gform-image-choice-sm-height":320,"gform-image-choice-md":317,"gform-image-choice-md-width":320,"gform-image-choice-md-height":320,"gform-image-choice-lg":317,"gform-image-choice-lg-width":320,"gform-image-choice-lg-height":320},"/wp-content/uploads/2024/07/check-circle.png","Local Support, Province-Wide","Farber provides both in-person and virtual debt help in Saskatchewan, making it easy to access expert support wherever you are.",{"icon":326,"heading":328,"text":329},{"iD":313,"id":313,"title":314,"filename":315,"filesize":316,"url":317,"link":318,"alt":34,"author":35,"description":34,"caption":34,"name":314,"status":37,"uploadedTo":278,"date":319,"modified":319,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":320,"height":320,"sizes":327,"relativeUrl":322},{"thumbnail":317,"thumbnail-width":320,"thumbnail-height":320,"medium":317,"medium-width":320,"medium-height":320,"mediumLarge":317,"mediumLarge-width":320,"mediumLarge-height":320,"large":317,"large-width":320,"large-height":320,"1536x1536":317,"1536x1536-width":320,"1536x1536-height":320,"2048x2048":317,"2048x2048-width":320,"2048x2048-height":320,"gform-image-choice-sm":317,"gform-image-choice-sm-width":320,"gform-image-choice-sm-height":320,"gform-image-choice-md":317,"gform-image-choice-md-width":320,"gform-image-choice-md-height":320,"gform-image-choice-lg":317,"gform-image-choice-lg-width":320,"gform-image-choice-lg-height":320},"Trusted Insolvency Trustees","Our team of insolvency trustees is federally licensed and has been helping Canadians reduce their debt since 1979.",{"icon":331,"heading":333,"text":334},{"iD":313,"id":313,"title":314,"filename":315,"filesize":316,"url":317,"link":318,"alt":34,"author":35,"description":34,"caption":34,"name":314,"status":37,"uploadedTo":278,"date":319,"modified":319,"menuOrder":40,"mimeType":41,"type":42,"subtype":43,"icon":44,"width":320,"height":320,"sizes":332,"relativeUrl":322},{"thumbnail":317,"thumbnail-width":320,"thumbnail-height":320,"medium":317,"medium-width":320,"medium-height":320,"mediumLarge":317,"mediumLarge-width":320,"mediumLarge-height":320,"large":317,"large-width":320,"large-height":320,"1536x1536":317,"1536x1536-width":320,"1536x1536-height":320,"2048x2048":317,"2048x2048-width":320,"2048x2048-height":320,"gform-image-choice-sm":317,"gform-image-choice-sm-width":320,"gform-image-choice-sm-height":320,"gform-image-choice-md":317,"gform-image-choice-md-width":320,"gform-image-choice-md-height":320,"gform-image-choice-lg":317,"gform-image-choice-lg-width":320,"gform-image-choice-lg-height":320},"Personalized Debt Help, Without Judgment","Every person’s debt story is different — which is why we tailor every consumer proposal to your financial reality with empathy, clarity, and no pressure. We also offer debt counselling services to help you build long-term financial habits and stay on track after your proposal is complete.",[201,202],"48","top",{"fieldGroupName":339,"reviews":340,"showTrustpilotSummaryLink":19,"anchorId":34,"backgroundColor":199,"padding":354},"ReviewSliderManualEntry",[341,346,350],{"url":342,"stars":343,"text":344,"name":345},"https://ca.trustpilot.com/users/68557bbd2f247806312580a6","5","You guys really went above and beyond to lower my debt and make my monthly payments manageable, which is awesome! I especially want to thank Sabira Jiwani and Barry for their incredible assistance. They were so helpful and patient, and I really appreciate it. Thanks to you all!","Joden V.",{"url":347,"stars":343,"text":348,"name":349},"https://ca.trustpilot.com/users/685b4e254e662df2ce4e6c71","Farber made this quick and easy and straight to the point. They were very professional and prompt with their services and willing to help. A friend of mine referred me to them and today five years later is buying his first home and was able to restart his finances and im grateful to say Farber has helped me be able to start over. Thank you your services were greatly appreciated","Joshua V.",{"url":351,"stars":343,"text":352,"name":353},"https://ca.trustpilot.com/users/6845e998f0e9f315546890ae","Never knew Farber existed until a couple of weeks ago. I'm still surprised that more Canadians don't know about this wonderful lifetime opportunity! I gladly started to speak to friends and colleagues who are in debt about Farber Debt Solutions. It felt great to help a friend with this information, especially when he told me how satisfied he was about feeling debt free. On top of that, I was glad to see that there is a counselling program that gives support, education and guidance on managing debt. Thank you so much and I encourage anyone who is reading this review to inform a friend who is not aware that there is real help. Thank you again for freeing my years of burden.","Mashaka K.",[202],{"fieldGroupName":356,"anchorId":34,"layout":357,"form":358,"heading":34,"content":34,"hideContentOnMobile":121,"backgroundColor":112},"FormEmbed","1-col",{"ID":359,"post_author":35,"post_date":360,"post_date_gmt":361,"post_content":362,"post_title":363,"post_excerpt":34,"post_status":10,"comment_status":364,"ping_status":364,"post_password":34,"post_name":365,"to_ping":34,"pinged":34,"post_modified":366,"post_modified_gmt":367,"post_content_filtered":34,"post_parent":40,"guid":368,"menu_order":40,"post_type":369,"post_mime_type":34,"comment_count":370,"filter":371},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":373,"introduction":374,"type":377,"accordions":121,"faqs":378,"button":403,"enableSeoSchema":19,"anchorId":406},"FaqAccordion",{"supertitle":34,"heading":375,"text":376},"Frequently asked questions","Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.","faq",[379,387,395],{"ID":380,"post_author":35,"post_date":381,"post_date_gmt":382,"post_content":383,"post_title":384,"post_excerpt":34,"post_status":10,"comment_status":364,"ping_status":364,"post_password":34,"post_name":385,"to_ping":34,"pinged":34,"post_modified":381,"post_modified_gmt":382,"post_content_filtered":34,"post_parent":40,"guid":386,"menu_order":40,"post_type":377,"post_mime_type":34,"comment_count":370,"filter":371},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":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":364,"ping_status":364,"post_password":34,"post_name":393,"to_ping":34,"pinged":34,"post_modified":389,"post_modified_gmt":390,"post_content_filtered":34,"post_parent":40,"guid":394,"menu_order":40,"post_type":377,"post_mime_type":34,"comment_count":370,"filter":371},4186,"2025-07-16 11:11:53","2025-07-16 15:11:53","Yes. You can pay off the balance at any time without penalties or fees.","Can I pay off a proposal early?","can-i-pay-off-a-proposal-early","https://prod-wp.farber.ca/?post_type=faq&p=4186",{"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":364,"ping_status":364,"post_password":34,"post_name":401,"to_ping":34,"pinged":34,"post_modified":397,"post_modified_gmt":398,"post_content_filtered":34,"post_parent":40,"guid":402,"menu_order":40,"post_type":377,"post_mime_type":34,"comment_count":370,"filter":371},4187,"2025-07-16 11:12:34","2025-07-16 15:12:34","If your creditors reject the first offer, we can revise and renegotiate the terms — or explore other options, including \u003Ca href=\"/bankruptcy\">bankruptcy\u003C/a>, if necessary. You can learn more about your legal rights under the \u003Ca href=\"https://laws-lois.justice.gc.ca/eng/acts/B-3/\" target=\"_blank\" rel=\"noopener\">Bankruptcy and Insolvency Act (Justice Canada)\u003C/a>.","What happens if my creditors reject the proposal?","what-happens-if-my-creditors-reject-the-proposal","https://prod-wp.farber.ca/?post_type=faq&p=4187",{"title":404,"url":405,"target":34},"See more FAQ","/faq","faqs",{"fieldGroupName":408,"heading":409,"text":410,"ctas":411,"anchorId":34,"buttonStyling":424,"colorTheme":425},"CtasBanner","Learn More About Our Saskatchewan Locations","\u003Cp>We have offices across Saskatchewan, including:\u003C/p>\n",[412,416,420],{"button":413},{"title":414,"url":415,"target":34},"Regina","/locations/regina",{"button":417},{"title":418,"url":419,"target":34},"Prince 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