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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Thank you so much for everything you and your staff have done to help me through this difficult time in my life. Thank you to Patricia for her smile and pleasant greeting when I came in the front and ...

Lisa, Brantford May 28, 2017

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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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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