Toronto has some of the highest living costs in Canada. Many people face rising rent, car payments, credit card balances, and unexpected bills. A consumer proposal offers a legal way to reduce unsecured debt and create a fixed, affordable payment.
Our Scarborough office at 1504 Markham Road serves clients from across Toronto, including North York, East York, Scarborough, and nearby communities like Pickering and Markham.
Why Toronto Residents Choose Consumer Proposals
A proposal is often the best option for people dealing with Toronto’s high costs because it:
- reduces unsecured debt to an affordable amount
- freezes interest immediately
- stops collection calls and wage garnishments
- keeps your assets safe
Most clients qualify easily, and payments stay the same from start to finish.
Your Local Licensed Insolvency Trustee
Our office on Markham Road is easy to reach by TTC, GO Transit, and Highway 401. We help people who are dealing with:
- credit card bills
- lines of credit
- personal loans
- tax debt or CERB overpayments
Your trustee explains everything in clear steps and helps you find the best consumer proposal for your budget.
How the Process Works in Toronto
The process is simple and usually starts with a free consultation. During this meeting, you learn about unsecured debt and how your new payment is set. The steps include:
- a review of your income, debts, and bills
- creating a repayment plan you can afford
- filing the proposal for immediate protection
- creditors voting within 45 days
Once the proposal is approved, your payments are fixed and interest is permanently set to 0%.
Serving All of Toronto and the GTA
Even though our office is in Scarborough, we serve clients across the Greater Toronto Area.
Many people travel from downtown Toronto, North York, Etobicoke, and the east end because the Markham Road office is close to Highway 401 and offers free parking. Whether you work in the city or live outside it, we make the process convenient and easy to understand.
Yanch Dey for a Toronto Consumer Proposals
The trustees at Yanch Dey & Associates make the process simple with short explanations and clear steps.
We focus on helping Toronto residents find affordable payments that match the cost of living here. If you want a plan that protects your income and reduces overwhelming bills, we guide you from start to finish with local, friendly support.
