Can I leave some creditors out of my consumer proposal?


We get asked this question a lot. Unfortunately, the answer is no. You are required to include all of your unsecured creditors when you file a consumer proposal. If you owe money to your family and friends, this also includes them too. One of the conditions for submitting a consumer proposal is that all unsecured creditors are treated the same.



If you are overwhelmed with a financial crisis, J.P. Graci & Associates Ltd can help! Call us now at 519-753-7361.



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My decision to declare personal bankruptcy was a very stressful one. I wanted the end result to teach me about money and how to become a better money management. The team at JP Graci was encouraging ...

Mike D. June 9, 2017

JP Graci and Associates is a wonderful organization. All staff members that I spoke with were very professional and friendly. Everyone was very motivated to help me and they worked very hard to deal w...

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HI Paul. Once very long ago my husband used your services, thank you ... you helped him get his life back on track. I work with mortgages. At times I help my client settle with creditors to get them b...

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The team at JP Graci has always been very helpful, having this company help me get out of massive credit card debt has made my life so much better! All I know is that its very easy to get into debt wh...

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WOW! These guys are amazing and I highly recommend their services if you want to change your life for the better.

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The staff were lovely and incredibly helpful. They were empathetic with my stress from the bankruptcy. They also gave great advice on my credit recovery. Thanks especially to Paul for his service and...

Frank S. July 25, 2017

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