If you are experiencing financial difficulties that lead you to consider the consumer proposal as a solution, here are the steps you will need to follow: Book an appointment with us for an evaluation of your financial situation. With our help, preparation of a proposal based on your financial capacity. Presentation of your proposal to creditors and voting by said creditors. If approved, monthly payments and 2 budget consultations with your advisor. Final payment and the beginning of your debt-free life! We invite you to review the 5 steps of the consumer proposal in detail.