Oshawa Consumer Proposals

YanchDey are your insolvency trustees for consumer proposals in Oshawa, licensed by the federal government to provide debt relief solutions.

Call Us: 905-721-7506
Visit Us: 215 Simcoe St N
Oshawa, ON L1G 4T1  
Email Us: help@yanchdey.com

At YanchDey we’re here to help you, answer questions, and provide the information below on how to stop consumer debts through a consumer proposal.  Give us a call today and let’s just talk about how we can help you.

A consumer proposal is a government debt relief program administered by insolvency trustees to provide debt relief.

A proposal allows you to repay just a portion of what you owe—often as little as 30%—through manageable, interest-free monthly payments. Unlike a bankruptcy you lose nothing keeping all of your assets and belongings.

A growing number of people in Oshawa are choosing consumer proposals because they offer real debt relief without the harsh consequences of bankruptcy. Consumer Proposals stop credit card debt, unpaid taxes, payday loans, and even wage garnishments.

With a consumer proposal, you can:

• Reduce what you owe by up to 70%
• Make one fixed monthly payment with zero interest
• Stop collection calls, lawsuits, and wage garnishments
• Keep your home, vehicle, and all personal property
• Avoid bankruptcy

If you live in Oshawa or nearby communities like Courtice, Whitby, or Bowmanville, our team at YanchDey can help you explore your options and file your proposal locally, with no court appearance required, we do everything for you!

A consumer proposal is a legal agreement, made with the help of a Licensed Insolvency Trustee, that lets you pay back only part of what you owe in monthly payments you can afford. Here’s how it works:

• We meet with you to look at your debts, income, and what you own.
• We make an offer to your creditors to lower your debt and stop interest.
• We file it with the government, and all collection calls and wage garnishments stop right away.
• Creditors have 45 days to agree, and most do because they get more than if you went bankrupt.
• You make one payment to us each month, and we send it to your creditors.
• When you’re done, the rest of your debt is erased, and you get a fresh start.

It’s a simple, safe way to deal with debt, protect your assets, and get out from under financial stress. Call Yanch Dey & Associates today at 905-721-7506 and see exactly how a consumer proposal can work for you.

Most people with debt qualify for a consumer proposal. If you have steady income and can make smaller monthly payments, this option can work for you.

You qualify if:

• You owe between $1,000 and $250,000 in unsecured debt (not including your mortgage)
• You can’t afford to pay your debts in full
• You have a job, pension, or steady income to support reduced monthly payments
• You are a resident of Ontario

Not sure if you qualify? Our Oshawa team can review your situation in a free, no-pressure consultation and tell you exactly what your monthly payment would look like.

★★★★★ As interest rates rose so did our mortgage and bills.  We were slowly sinking more and more into debt.  When it hit 30,000 we had to do something. YanchDey were local so I gave them a call.  Best thing I did in years.  Our debt was slashed down to 7k with a monthly payment of $120/month! Thank You YanchDey. Mike Paczek, Pickering

Insolvency Trustee – Kelly Dey

If debt is keeping you up at night, you don’t have to face it alone. A consumer proposal can help you reduce what you owe, stop the stress, and give you a clear path to financial recovery.

📞 Call us today at 905-721-7506
📍 Visit us at 215 Simcoe St N. Oshawa

There’s no cost, no obligation, and no pressure to discuss debt relief—just real answers from experienced, local professionals who understand what you’re going through.

Call me, Kelly Dey and lets just talk and discuss how we can help you today.

Q: Can I file a consumer proposal in Oshawa without going to court?
A: Yes, you can file a consumer proposal through our Oshawa office with no court appearance required. The entire process is handled by a Licensed Insolvency Trustee.

Q: How quickly can a wage garnishment be stopped in Oshawa?
A: Once your consumer proposal is filed, wage garnishments and legal actions stop immediately by law. Most clients see the garnishment lifted within a few days.

Q: Can I include CRA tax debt in my consumer proposal?
A: Yes, income tax, HST, and other CRA debts can be included in your proposal. Once accepted, the CRA must stop all collection activity.

Q: Will a consumer proposal affect my job or professional license?
A: A proposal does not affect your job or professional standing. It’s a private legal solution designed to help you manage debt while continuing your career.

Q: Where is your Oshawa office and how do I book an appointment?
A: Our office is located at 215 Simcoe St N, Oshawa, ON. You can call 905-721-7506 or book online for a free, no-obligation consultation.

Q: What happens after I file a consumer proposal?
A: Once your proposal is filed, collection calls stop, and your monthly payments begin based on what you can afford. After completing the term—usually 3 to 5 years—your remaining unsecured debt is legally forgiven.

Consumer Proposal Oshawa | Consumer Proposals