{"id":"u177","name":"Consumer proposals explained (Office of the Superintendent of Bankruptcy)","help":"guide","type":"referral","typeLabel":"Guide","what":"The Government of Canada's plain explanation of a consumer proposal: an offer to pay creditors part of what you owe, or over more time, for up to five years, arranged by a Licensed Insolvency Trustee. Open to people with debts up to $250,000, not counting a mortgage on your home.","forWhom":"Anyone in Canada thinking about a consumer proposal.","cost":"Free","tags":["debt","consumer proposal","guide"],"topics":["debt","money","legal"],"place":{"label":"Canada-wide","country":"Canada","cc":"CA","region":null,"city":null,"scope":"country"},"website":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","sources":["https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals"],"checked":"2026-10-05","added":"2026-10-05","verified":"checked","checkEvery":90,"deadline":null,"deadlineNote":null,"status":"listed","routes":[{"kind":"Read the guide","url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","value":null,"seen":"2026-10-05","source":"their own site"}],"primaryRoute":{"kind":"Read the guide","url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","value":null,"seen":"2026-10-05","source":"their own site"},"routeCount":1,"channels":[{"kind":"website","url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","label":"Website","reach":null,"unit":null,"seen":"2026-10-05","source":"their own site"}],"spaceCount":1,"spacesSeen":"2026-10-05","phone":null,"contact":{"email":null,"url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","route":"Read the guide"},"qualify":null,"needs":null,"steps":[],"languages":["English","French"],"welcomes":[],"reachNum":null,"reachUnit":null,"reachKind":"none","reachSource":null,"reachSeen":null,"intents":{"reach":false,"grow":null,"job":false,"volunteer":false,"specialist":null,"opps":false,"housing":false,"money":true,"info":false,"marriage":false},"country":"CA","region":"CA","currency":"CAD","lang":"en","reach":1,"reachGroups":["anyone"],"reachBasis":"A free government explainer with no eligibility test; qualify is null. The $250,000 debt limit belongs to the consumer proposal it describes, not to using the g","reachSet":"2026-10-08","shelf":"debt","audiences":["anyone","low-income"],"payer":"government","reachKey":"low-income","hidden":false,"amountKind":"none","dates":{"deadline":"","opens":"","closes":"","nextPayment":""},"kind":"service","need":"other","serves":"all","provider":{"name":"Office of the Superintendent of Bankruptcy","url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en","source":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","read":"2026-10-09"},"amount":null,"page":"/o/consumer-proposals-explained-office-of-the-superintendent-of-bankruptcy/","stale":false,"staleDays":0,"checkedNote":"Facts read from the source pages on 2026-10-05; spaces read from their site on 2026-10-05; re-checked every 90 days.","spaces":[{"kind":"website","label":"Website","url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","reach":null,"unit":null,"seen":"2026-10-05","note":null}],"missing":["organization email (not published on their pages)","office phone (not published on the pages we read)","follower or subscriber counts (platform pages do not expose them to readers; ask the organization or check the platform)","what they welcome from outside parties (their pages do not say)","audience number for the organization as a whole (not public)"]}