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If you have too much debt to pay back through budgeting alone, you may be considering other debt consolidation options, such as a Consumer Proposal or Bankruptcy. In Canada, you’re not alone. Nearly 130,000 Canadians filed a Consumer Proposal or declared Bankruptcy in 2016. But what’s the difference? If you’re considering a Consumer Proposal vs.

For most Canadian post-secondary students, borrowing money is unavoidable, in order to finance their education. The costs of tuition and textbooks – on top of living expenses like rent, groceries, and transportation – really add up. In fact, it is estimated that the average Canadian student graduates with almost $30,000 of debt. It’s a hard