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Consumer Proposal

A Consumer Proposal is a formal arrangement that is negotiated between an individual (the debtor) and their creditors, to settle outstanding debt obligations. 

A consumer proposal can only be arranged by a government licensed bankruptcy trustee.

For the Benefits and How to File a Consumer Report click

November Literacy Month

by Shelley Koehli

Week One -  Start with a Budget Click HERE for Article

Week Two -  Set financial goals Click HERE for Article

Week Three - Be a S.MA.R.T. Financial Consumer Click HERE for Article

Week Four - Borrow money wisely. Click HERE for Article

CAIRP Website Blog

Budgeting Challenges Series
by Shelley Koehli

Topic #1

5 Biggest Challenges Facing Self-Employed Persons   

Topic # 2

5 Biggest Challenges Facing Millennials

Topic #3

5 Biggest Challenges Facing Seniors

Topic #4

5 Biggest Challenges Facing Families

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Industry News

Insolvency Statistics in Canada  Sept 2019

The OSB and Licensed Insolvency Trustee

Protecting the integrity of the Insolvency System

Recent Proposal & Bankruptcy Related Articles

Differences between a Bankruptcy and Consumer Proposal.

Learn More


Bankruptcy:  Why it can be the best option.

Learn More


Success Case Stories.

Learn More

Consumer Proposals Vancouver is an educational service provided by The Greater Vancouver Offices Of:

D.Thode & Associates Inc.

Check Out Our Blog

Licensed Professionals

Douglas J. Thode

Consumer Proposal Administrator

Licensed Insolvency Trustee


Shelley Koehli

Consumer Proposal Administrator

Licensed Insolvency Trustee

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CAIRP was created as a non-profit corporation in 1979 to advocate a fair, transparent and effective system of insolvency/restructuring administration throughout Canada.