If you are insolvent, even bankrupt, and have less than $250,000 in debts (excluding the mortgage on your house), you can make a consumer proposal.

For more information, you may contact the Office of Superintendent of Bankruptcy Canada: http://www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/br01861.html.

Contact us for more details; the first consultation is free.