Your spouse’s proposal does not necessarily affect your situation. The trustee will analyze with you whether you are responsible for one or more debts of your spouse, because in this case, creditors may demand payment from you. If you have a joint debt, you remain responsible for that debt even if your spouse makes a consumer proposal and does not have to pay it. If you reach an agreement with this creditor by letting them know that you are willing to comply with the agreed payment terms and pay as agreed, your credit file will not be affected by your spouse’s decision to make a consumer proposal. If you do not have any joint debts, your spouse’s decision to make a proposal does not affect your credit file in any way. Each individual has their own file. Their payment habits and decisions only affect their own.