Adam & Solomon Inc.

Consumer Proposal

Absolutely! Here's your revised version adapted for Consumer Proposal services, keeping the same tone and structure:

• Flexible & Personalized: Whether you're dealing with a few creditors or many, our process adapts to your unique financial situation. We work with you to build a proposal that fits your budget and goals.

• Cost-Effective Relief: Our services are competitively priced, with no hidden fees. You’ll know exactly what you’re paying for—real guidance and real results.

• Focused on Real Solutions: We help you tackle high-interest debts through legally binding proposals that reduce your total payments and stop collection actions.

• Comprehensive Support: From credit cards to CRA debts, our team handles a wide range of unsecured obligations, working alongside Licensed Insolvency Trustees when required.

How It Works

1. Understand Your Situation: Share your financial challenges, income details, and total debt so we can assess your options.

2. Personalized Proposal Plan: We create a tailored consumer proposal that fits your budget and meets legal requirements.

3. Proposal is Filed: Your proposal is officially filed with a Licensed Insolvency Trustee and sent to your creditors for approval.

4. Begin Your Fresh Start: Once accepted, you make one affordable monthly payment—and stop worrying about interest, collections, or wage garnishments.

Benefits of Our Consumer Proposal Service

* Affordable Support: Get expert guidance and proposal preparation at a cost that reflects the value of a long-term debt solution.

* Full Transparency: Receive clear, upfront information about fees, timelines, and the entire process—no hidden surprises.

* Legally Protected: Stop collection calls, wage garnishments, and interest charges once the proposal is filed.

* Fast Relief: Begin the process quickly and start seeing real financial relief within days, not weeks.

Who Can Benefit?

If you're struggling with unsecured debt, a consumer proposal may be the right solution. Here’s a breakdown of who may qualify:

📇 Credit & Loan Holders

• Credit Cards / Pay Cards / Store Cards

• Payday Loans

• Personal Loans / Installment Loans (unsecured)

• Bank Overdrafts

• Unsecured Lines of Credit
  
  

💡 Utility & Service Bills

• Utility Bills

• Phone Bills

• 407 ETR (Electronic Toll Route)
  
  

🏥 Medical & Legal Debts

• Lawyer’s Fees

• Doctor’s Fees

• Hospital Bills (if not currently using services)
  
  

🏛 Government Debts (Must Have Letters)

• CRA (Canada Revenue Agency)

• GST / HST / Income Tax

• CERB / EI Overpayments

• CTB (Child Tax Benefit) Overpayments
  
  

🏠 Housing-Related Debts

• Car Loan (if the vehicle has been repossessed)

• Mortgage (if home has been foreclosed)

• Back Rent (must no longer be a current tenant)
  
  

⚖ Court-Ordered Debts

• Accident Claims

• Court-Ordered Fines

• Child / Spousal Support (if unsecured debt exceeds $6,000)
  

Our consumer proposal process is designed to support individuals with a wide range of unsecured debt. If you see yourself in one or more of these categories, we’re here to help with a manageable, government-regulated solution.

Simple, Cost-Effective Alternatives to Bankruptcy

A consumer proposal can be a lifeline for individuals facing overwhelming debt. Our service offers a legally binding, affordable solution to reduce what you owe and protect your assets—without filing for bankruptcy. It’s a personalized path to debt relief that fits your financial reality and gives you room to breathe.

Why Choose Our
Consumer Proposal Services