Understanding how trustees are paid in a consumer proposal helps build confidence in the process, especially when you’re working with the Licensed Insolvency Trustees at Yanch Dey & Associates.
Trustee fees are set by federal law, built directly into your monthly payment, and never added on top. This means the price you see is the price you pay — with no surprises, hidden fees, or extra charges at any point.
Trustee fees are not negotiable or hidden. The federal government controls how Licensed Insolvency Trustees are paid, which protects you from unexpected charges.
When you file with Yanch Dey & Associates, the cost is built right into your proposal, and there are no hourly fees or additional billing.
A consumer proposal does not require any money upfront. You do not pay a retainer, a setup fee, or a filing fee. Everything is included in the monthly payment you agree to.
This ensures that people facing financial stress can get help right away without worrying about how to afford the process.
The payment you make each month already includes the trustee’s fees, government charges, and all administration costs. You never pay extra.
When our insolvency trustees structure your proposal, they calculate one affordable amount that covers everything from start to finish.
Trustee fees are taken from the money distributed to your creditors — not in addition to it. This means the trustee gets paid through the proposal itself.
The standard fee structure includes:
Creditors know these rules and accept them as part of the proposal process, which is why the system works smoothly.
Companies offering debt settlement or credit counselling often charge setup fees, monthly fees, and service fees. With Yanch Dey, everything is included in one simple payment, and there are no upsells or hidden costs.
Because trustee fees are regulated and tied directly to the success of the proposal, trustees have every incentive to help you build a realistic plan that creditors will approve.
The structure ensures fairness and transparency, giving you full peace of mind.
This consumer proposal calculator shows an approximate of how much you could save.
If you’re feeling overwhelmed by debt and not sure where to start, the best thing you can do is talk to someone who understands.
Call now and speak directly with me — Kelly Dey — for clear, honest advice that’s tailored to your situation. There’s no pressure and no judgment. We’ll look at your options together and create a plan that helps you breathe again. Getting started is easier than you think, and one simple conversation can put you back in control of your money and your life.
Let’s take that first step today, call 905-721-7506.
A. No. Licensed Insolvency Trustees are not allowed to charge upfront fees.
When you file with Yanch Dey & Associates, all costs are included in your monthly payment. You can get started immediately without paying anything on day one.
A. Their fees come from the money paid into your proposal.
They receive a regulated portion of the funds that would otherwise go to creditors. This means you never pay extra, and the trustee only gets paid when your proposal is active and successful.
A. Yes. Fees are regulated federally under the Bankruptcy and Insolvency Act.
Whether you file with Yanch Dey or any other Licensed Insolvency Trustee, the cost is identical — there is no advantage to shopping around for lower fees.
A. Not in the way most people expect. Trustee compensation is based on a formula, not your total debt.
The payment you agree to is what matters, and the trustee’s fees come from within that payment.
A. No. Licensed Insolvency Trustees cannot charge hidden fees or add-ons.
Be cautious of debt settlement or credit counselling firms that do — but when working with Yanch Dey, everything is transparent and included in your monthly payment.
Insolvency Trustee – Kelly Dey
If you’re feeling weighed down by money or debt issues, give me a call at 905-721-7506 and lets just have conversation.
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Sarah M.
5 days ago
★★★★★ I loved that everything was upfront. Yanch Dey explained exactly how trustees are paid and there were no surprise fees.
Kevin D.
1 week ago
★★★★★ The process was transparent. All costs were included in my monthly payment, just like they said.
Amanda F.
2 weeks ago
★★★★★ Yanch Dey’s trustees walked me through how they’re paid. It made me feel safe knowing fees are regulated and built into the plan.
Jordan B.
3 weeks ago
★★★★★ No upfront fees and no surprises. Everything was explained clearly and honestly.
Elena K.
1 month ago
★★★★★ I appreciated how transparent they were about the cost. The payment included everything and was easy to manage.
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