Fuller Financial Solutions

No. Upon filing a Consumer Proposal, you are protected from the commencement or continuation of any proceedings by your creditors to collect their debt. Therefore, a wage garnishment and collection calls would stop.

As soon as you file for a Consumer Proposal or bankruptcy the law will protect you and direct contact from your creditors/collection agencies will stop. They will only be allowed to contact the Trustee office regarding your debts.

If you file a Consumer Proposal, it will not affect your spouse's credit report. The only time they would be obligated to pay your debts is when you have joint debt. If the debt is only in your name, then your spouse will not be affected by your Consumer Proposal.

Yes, except for secured debts (e.g., car loans, house mortgages, etc.) and certain debts for court fines, spousal support, debts related to a fraud, and debts for student loans made under the Canada Student Loans Act or by a province, which are not older than seven years.