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Can I File a Consumer Proposal Online?

Are you considering a filing a consumer proposal to manage your debt? Are you wondering if you can file it online? With the help of modern technology, you can! The unique virtual service offered by D. & A. MacLeod Company Ltd. is making the consumer proposal process easier and more accessible than ever.

a woman at her laptop research how to file a consumer proposal online

The Basics: What’s A Consumer Proposal?

A consumer proposal is a formal, legally binding agreement between you and your creditors, facilitated by a licensed insolvency trustee (LIT). It offers an alternative to personal bankruptcy and allows you to repay a portion of your debts over time, typically through manageable monthly payments.

Filing A Consumer Proposal Online

While you can’t directly file a consumer proposal by yourself online, a unique virtual service provided by D. & A. MacLeod Company Ltd. makes filing consumer proposals more accessible and convenient for clients across Canada.

As a licensed insolvency trustee company based in Ontario with over 70 years of experience, we offer a seamless virtual service that allows you to navigate the consumer proposal process from the comfort of your home. By scheduling a virtual appointment, you can collaborate with an experienced licensed insolvency trustee who can help you prepare and file your consumer proposal. You can easily access our services in Toronto, Vancouver or anywhere in Canada without having to visit an office in person.

How The Process Works

Here’s how filing a consumer proposal online works:


1. Initial consultation. You must first schedule a virtual appointment with an LIT. During this consultation, you’ll discuss your financial situation, goals and options for debt relief, including the possibility of a consumer proposal.


2. Proposal preparation. If a consumer proposal is deemed suitable, the LIT will guide you through preparing the proposal documents. They’ll ensure the proposal accurately reflects your financial circumstances and repayment capabilities.


3. Filing the proposal. Once the proposal is finalized, D. & A. MacLeod will file it on your behalf with the Office of the Superintendent of Bankruptcy Canada. This marks the official start of the consumer proposal process.


4. Creditors’ meeting. After the proposal is filed, a meeting with your creditors will be scheduled. During this meeting, your creditors can vote on whether to accept or reject the proposal.


5. Implementation. If the majority of your creditors accept the proposal, it becomes legally binding, and you can begin making payments as outlined in the agreement.

Our Licensed Insolvency Trustees Can File Your Consumer Proposals

D. & A. MacLeod Company Ltd. is renowned for our expertise in consumer proposals in Ontario and Canada. With years of experience and a team of knowledgeable professionals, we’ve helped countless individuals and families find a new beginning™ through our comprehensive and compassionate services.


Contact us today to learn more about how we can help you. We are also available for virtual appointments from clients across Canada from our offices in Eastern Ontario.


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