Oshawa Consumer Proposal Office
650 King Street East, Suite 204
Oshawa, Ontario
L1H 1G5
Phone: 905-721-7506
Email: help@YanchDey.com
Hours
Monday to Friday – 09:00 AM – 05:00 PM
Weekends & evenings by appointment
Oshawa Consumer Proposals
Consumer proposals help Oshawa residents reduce debt, stop interest, and make one affordable monthly payment without losing assets.
YanchDey | Licensed Insolvency Trustees
Why Oshawa Residents Choose Consumer Proposals
Consumer Proposal Calculator
How to Start a Consumer Proposal
How Consumer Proposals Work in Oshawa
What You Can Include in a Consumer Proposal
A consumer proposal is a practical option for people in Oshawa who are juggling different kinds of unsecured debt and want one simplified, affordable solution.
Instead of dealing with multiple lenders, high interest rates, and constant collection pressure, your Oshawa Licensed Insolvency Trustee combines everything into one monthly payment that fits your income.
Debts for Consumer Proposals
Oshawa residents typically include debts such as:
- Credit cards and lines of credit from local banks and credit unions
- Personal loans, overdrafts, and consolidation loans that didn’t work out
- CRA tax balances, which are a growing issue for many people in Durham Region
- Old bills and collection accounts from telecom, utilities, or medical expenses
- Payday loans and high-interest instalment lenders common in Oshawa plazas
- Student loans older than 7 years, which many younger Oshawa residents struggle with
All of these debts are rolled into one interest-free payment that reflects what you can realistically afford.
Our Oshawa team handles the entire process for you, making it easy to understand exactly what’s included and how much you’ll save.
Why Work With YanchDey & Associates (Oshawa Office)
Oshawa residents choose YanchDey & Associates because our local team makes the consumer proposal process clear, supportive, and affordable from start to finish.
With more than 25 years of experience helping people across Durham Region, we understand the financial challenges unique to Oshawa — rising living costs, tax pressure, credit card dependence, and the stress of trying to stay ahead.
Oshawa Consumer Proposal Help
Working with our Oshawa office means you get:
- Local Licensed Insolvency Trustees who know the community and the courts
- A friendly, private consultation that explains your options in plain language
- A proposal designed around your income, your household, and your goals
- No upfront fees and one predictable monthly payment you can afford
- Immediate protection from wage garnishments, collection calls, and legal action
We’ve helped hundreds of individuals and families in Oshawa regain control of their finances through consumer proposals that reduce debt and protect assets. Our team is committed to honest advice, personalized solutions, and a stress-free experience from the moment you call.
Make that Call Today!
Kelly Dey Oshawa Insolvency Trustee
The hardest part is making that first call. Once you reach out, our Oshawa team at Yanch Dey & Associates takes over and guides you through every step, showing you clear options to protect your income, your assets, and your future.
With over 25 years of experience, we’ve helped thousands of people who felt overwhelmed about their debt. Almost everyone says the same thing after speaking with us: “I wish I had called sooner.”
Your consultation is friendly, confidential, and completely free. We’ll review your situation, show you exactly how much you can save, and outline a payment that fits your household. Most clients feel real relief after just one conversation.
Call our Oshawa office today at 905-721-7506 and take your first step toward becoming debt-free.
FAQs Consumer Proposals
Q. How do I start a consumer proposal in Oshawa?
A. Getting started is simple. You can book a free consultation with our Oshawa office on Simcoe St. N, and we walk you through your options in plain language.
We review your debts, income, and expenses to determine what you can afford, then prepare the proposal for your creditors. Most Oshawa residents are surprised to learn they can begin the process the same day they contact us, and get immediate relief from collection pressure.
Q. Will a consumer proposal stop a wage garnishment from an Oshawa employer?
A. Yes. A consumer proposal stops all wage garnishments the moment it’s filed—whether your employer is a local business, a manufacturing plant, a dealership, Durham College, Ontario Tech, Lakeridge Health, or any other Oshawa employer.
We send legal notice directly to payroll so the garnishment stops right away, usually before your next paycheque.
Q. Do creditors in Oshawa usually accept consumer proposals?
A. Very often, yes. Creditors accept proposals because they know they will receive more money through a proposal than if they continue collections or force bankruptcy.
In Oshawa, we see especially high acceptance rates because major creditors—banks, CRA, credit card companies, finance companies—are very familiar with the process. As long as the payment is reasonable based on your income, approval is likely.
Q. Can I include CRA tax debt in my consumer proposal?
A. Yes, and many Oshawa residents do. CRA tax debt—whether from employment, self-employment, HST, or penalties—can be rolled into your proposal.
Once filed, CRA must stop all collection actions, including frozen bank accounts, garnishments, and interest charges. This makes consumer proposals one of the most effective solutions for tax-related stress in Durham Region.
Q. How fast will collection calls stop in Oshawa?
A. Usually the same day. As soon as your proposal is filed, all collection agencies must legally stop calling, texting, emailing, and mailing you.
Our Oshawa office immediately notifies your creditors and collection agencies, which often stops the calls within hours. Many people tell us it’s the biggest relief they’ve felt in years.
Q. Will I have to give up my car or home in a consumer proposal?
A. No. In a consumer proposal, Oshawa residents keep their home, vehicle, RRSPs, and personal belongings.
This is one of the biggest reasons people choose a proposal instead of bankruptcy. Your assets remain yours, and we design the proposal so that your monthly payment fits your budget without risking your housing or transportation.
Q. How much does a consumer proposal cost in Oshawa?
A. There are zero upfront costs. Your monthly payment already includes all fees set by federal law.
We calculate the payment based on what you can reasonably afford given Oshawa’s cost of living, typical household expenses, and your income. There are no hidden charges, no interest, and no penalties for paying it off early.
Q. How long does a consumer proposal take to complete?
A. Most people in Oshawa complete their proposal in 3 to 5 years.
The exact length depends on the monthly payment amount you’re comfortable with. You can pay it off faster if your income increases or your situation improves—there are no early repayment penalties. Once completed, all remaining included debt is permanently erased.
