https://www.dekut.com/Finance/consumer-proposal-canada/ They are experts in personal debt management, and are the only individuals licenced to administer a consumer proposal in Canada. Your administrator will use his or her experience and training to assess what you can afford, and what should be offered to your creditors. They prepare the necessary forms for you to sign, and then file the proposal with the government which makes it a legal document. Wed, 27 Jun 2012 07:57:23 UTC en