A consumer proposal is a government debt relief program available in Oshawa and throughout Ontario administered by insolvency trustees.
It allows you to repay just a portion of what you owe—often as little as 30%—through manageable, interest-free monthly payments while protecting you from creditors and allowing you to keep your home, car, and assets.
A growing number of people in Oshawa are choosing consumer proposals because they offer real debt relief without the harsh consequences of bankruptcy. Whether you’re dealing with credit card debt, unpaid taxes, or payday loans, a proposal can give you breathing room and a clear path forward.
With a consumer proposal, you can:
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.
★★★★★ 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
Use our Oshawa debt calculator to estimate your new monthly payment under a consumer proposal. It’s free, fast, and completely confidential.
This consumer proposal calculator shows an approximate of how much you could save.
All unsecured debts, credit cards and unsecured loans can be applied to a consumer proposal, getting you completely debt free in 5 years or less!
If you’re looking for debt relief in Oshawa, our team is ready to help. We meet with clients daily at our centrally located office, just minutes from City Hall and the Oshawa courthouse.
📍 YanchDey & Associates
215 Simcoe St N, Oshawa, ON L1G 4T1
📞 905-721-7506
📧 help@yanchdey.com
🕘 Monday to Friday, 9:00 AM – 5:00 PM
We serve individuals and families from across Oshawa and the surrounding communities, including:
Whether you’re visiting in person or prefer a phone or video consultation, our team is here to make the process simple, confidential, and stress-free.
★★★★★ My husband was laid off, but our bills kept coming, we were drowning in debt. The consumer proposal solved our money problems and saved us $18,000. We will be debt free in four years, Thank you Susan N. Oshawa
Many of our clients in Oshawa felt overwhelmed before they discovered how much a consumer proposal could help. Here are just a few real examples of how we’ve helped people in your community take back control of their finances:
“I live in Courtice and owed over $40,000 in credit cards and loans. YanchDey helped me file a proposal that reduced my debt to just $12,000. I now pay $200/month and sleep peacefully again.” – Michelle T., Courtice
“When the CRA started garnishing my wages, I didn’t know what to do. YanchDey filed my consumer proposal right from their Oshawa office. The garnishment stopped within days.” – Darren S., Oshawa
“We were drowning in debt and thought bankruptcy was our only option. YanchDey offered a proposal that cut our payments in half and let us keep our home.” – Lisa & Raj, North Oshawa
These stories are just a few examples of how a local, personalized solution can lead to real financial freedom.
Most people in Oshawa who are struggling with debt are eligible for a consumer proposal. If you’re earning an income and can make regular monthly payments—just at a lower amount than you currently owe—there’s a good chance this solution will work for you.
You may qualify if:
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.
Insolvency Trustee – Kelly Dey
If debt is keeping you up at night, you’re not alone—and 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, ON L1G 4T1
There’s no cost, no obligation, and no pressure—just real answers from experienced, local professionals who understand what you’re going through.
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.
Financial freedom starts with just one call.
Let us guide you towards a brighter future, free from the burden of debt.
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.
We can discuss your issues, and how I can help you.
I was buried in credit debt and didn’t want to ask for help.
My friend pushed me to see someone, that’s when I picked up the phone and called. After months of stress and anxiety – one meeting with them felt like a warm hug.
Before I knew it, I was signing consumer proposal documents with Kelly. I now am paying my bills with a plan to be out of debt in 3 years.
I am so lucky I came to YanchDey, the process that I thought would be like nails on a chalkboard was like a weight lifted off my shoulders. I admit there were some bumps in the road, but I feel like a new person – one who can pay their bills.
Get Out of Student Debt Forever
When I started college, in the first couple of days there were people at the school getting you to sign up for a credit card.
I applied for a student Visa, everyone was doing it and it seemed like a very reasonable thing to do.
I planned to use it to pay for my books and travel expenses while I was in school. I had a part time job and my parents were paying for my tuition so it wasn’t a problem.
However, once I graduated I couldn’t find work in my field and started applying for more credit to help me get by.
Once I was working I kept using the credit cards, plus a line of credit to pay for unexpected expense like car repairs or I would use them at Christmas time or occasionally to take a vacation.
I was never given any advice on how to budget or deal with finances. Before long I realized that my debt was so high I was never going to get out of it.
Even if I paid the most I could afford every month it would still take me years to pay everything off.
Rise Above Your Debt!
Pauline Vorvis
3 days ago
★★★★★ We had 23,000 in credit card debt that I was never going to pay off. My new loan is now $7,000 and pay $195 over three years. Thank you so much.
Randy Singh
7 days ago
★★★★★ My husband’s paycheck was garnisheed, we owed 36,000. The consumer proposal, stopped the garnishment, and reduced our debt to 10,000. So thankful we called.
Debbie Theriault
2 weeks ago
★★★★★ I needed to get out of debt. I still had student-loans after 10 years and was sick of borrowing money. I thought I’d have to file for bankruptcy, but they explained how they could get me out of debt and save thousands. My life has changed, I can sleep and have control of my finances. With the consumer proposal I’m debt free, I even appreciated the debt counselling. No consumer credit and struggling with debt for me. God bless!
Christien Egistone
4 weeks ago
★★★★★ Thank you, I will have me out of debt in 3 years and save 15k, I’ll never have credit card debt like that again, I appreciate your help and will refer and recommend you to friends.
Danny Demers
1 month ago
★★★★★ I was very pleased the way they handled my creditors. I ended up paying a fraction of what I owed on my debt.
I was 30 years old with a great job but never had the skills to properly manage money.
I was in debt to banks, credit card debt and most importantly to my friends and family. Constantly chasing the bills from pay cheque to pay cheque and embarrassed at work with collectors constantly calling.
I swallowed my pride (if you want to call it that), called YanchDey, which was the beginning of a new life for me.
At first, I was nervous and ashamed, but the staff at YanchDey were patient, caring, knowledgeable and understanding. There was no judging or shaming.
I ended up filing a consumer proposal. I was guided every step of the way by Kelly and Lorraine. I was able to pay off all my debts and even my taxes were brought up to date.
I have begun a new life, with no more looking over my shoulder. If this sounds like you, I highly recommend using YanchDey. Turned my life around. Thank you Kelly and Lorraine.
Call 905-721-7506
