Скачать или смотреть Let's Talk About Consumer Proposals Again

http://www.rkillen.ca Toronto bankruptcy trustee Richard Killen explains what a consumer proposal is:

When people come to see us, one of the first things out of their mouths is “What is this business about a consumer proposal?” People have heard about that. There have been a lot of stories lately on it. And, let’s face it, most people don’t want to have to go bankrupt if though they’re visiting a trustee in bankruptcy. So, what is a consumer proposal? Well actually, it’s quite simple. A proposal is essentially a settlement you make with your secure creditors. When I say a settlement, you’re essentially going to offer them some kind of an arrangement, and arrangement that you can do, that you can handle, it’s got to be within your means, that hopefully they will accept as being full and complete settlement of what you owe them. In other words you’re going to trade whatever your total debt is today for a brand new amount that you negotiate with them through the trustee through the consumer proposal process. If they accept, the rest is up to you. All you have to do is make the payments . And you stretch this out over a period of up to five years. So essentially a very, very effective way of resolving the problem without having to go bankrupt.