Consumer Proposal


Consider a Consumer Proposal in Edmonton

Creditors call, but you ignore them. Your voicemail inbox is full of messages that beg for you to fulfill your payment plans. Unfortunately, your bank account isn’t full of money to pay your basic bills. Now’s the time to come to Fox-Miles & Associates Inc. Licensed Insolvency Trustee. Our qualified credit counselors can help. You can learn more about the government of Canada’s policy on consumer proposals here.


are right for you.

You owe plenty, but you owe less than $250,000. You want to pay off your debts. You just can’t do it on the timetable that creditors pressure you to meet. We can craft a consumer proposal in our Edmonton office that restructures what you need to pay and when you need to pay it.

At Fox-Miles & Associates Inc. Licensed Insolvency Trustee, our qualified credit counsellors provide an initial, free consultation to new clients. We’ll go over what you owe and what you make. Then we’ll decide if it’s best for you to pay a portion of what you owe, to pay smaller portions over a longer period of time, or a combination of both of those options.

Once you and your credit counsellor have agreed to the best course of action, your credit counsellor drafts a consumer proposal and sends it to your debt collectors. This action alone legally prevents creditors from calling you and garnishing your wages. Debt collectors will have 45 days to accept or reject your consumer proposal. During that review period, creditors may request a meeting with you and your credit counsellor to discuss your consumer proposal.


Filing for a consumer proposal through Edmonton’s Fox-Miles & Associates Inc. Licensed Insolvency Trustee can offer the following benefits including:

  • Protection for your assets – You get to keep all of your assets in a consumer proposal including your car and home, tax refunds, and investments.
  • Lower monthly payments – A consumer proposal allows you to negotiate to repay only part of your debt which can reduce your monthly payments.
  • A halt on wage garnishment – Money will no longer be taken out of your wages and harassing phone calls from creditors will cease.
  • No additional costs or fees – All you have to worry about is your regular monthly payments.
  • Bankruptcy avoidance – Many people don’t want a bankruptcy on their record, so a consumer proposal offers a safe alternative that allows you to repay what you can.

While there are disadvantages to a consumer proposal, the advantages are many. That’s why it’s important to compare your options and talk with a Licensed Insolvency Trustee before deciding if a consumer proposal is right for your situation.

schedule your free consultation today!

Stop the non-stop voicemails from debt collectors. Stop your wages from being garnished. If you want to restart your financial future, call Fox-Miles & Associates Inc. Licensed Insolvency Trustee today at 780-444-3939. 

We offer a free consultation, during which we’ll tell you if a consumer proposal in Edmonton is the right solution for you.