Consumer Proposals

For clients struggling with unmanageable debt, a consumer proposal can provide legal protection and a structured path forward without the lasting consequences of bankruptcy.

Our Services

• Feasibility assessment: Determining if a consumer proposal is the right solution
• Proposal preparation: Drafting structured repayment offers based on ability to pay
• Negotiation with creditors: Engaging lenders to secure approval of the proposal
• Implementation oversight: Ensuring clients meet proposal terms and regain financial control

Our Approach

We collaborate with licensed insolvency practitioners (where required by law) while ensuring clients fully understand their rights and obligations. Our role is to simplify the process and safeguard client interests.

Benefits

• Legal protection from creditors and collection actions
• Significant reduction in overall debt amounts
• A structured, manageable repayment schedule
• Avoidance of bankruptcy and its reputational impact

Consumer proposals offer a lifeline for those overwhelmed by debt. Surian Consulting provides the expertise and empathy needed to navigate the process with dignity and confidence.