A Consumer Proposal also puts a stop to any wage garnishment and unfreezes your frozen bank accounts. The process also ends civil legal action against you to collect on the debt. However, there are exceptions to this, most commonly wage garnishments and legal action that are a result of unpaid child support or spousal support. These debts cannot be eliminated by a Consumer Proposal and filing a proposal does not stop legal action or wage garnishment in these cases. There are some other debts (fraud, obtaining property or services by false pretenses, court ordered fines or penalties, for example), which may not be eliminated and may still be collectable during the Consumer Proposal.  Aside from those debts, when you file a Consumer Proposal all wage garnishments and collection calls cease. This is called a Stay of Proceedings — it means you are protected from any creditors starting or continuing any legal proceedings to collect any debt owed to them.