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What are the requirements to enter a debt repayment program?

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    Debt repayment takes many forms.

    • One type is done in conjunction with credit counseling agencies and this generally involves repaying all of a majority of the debts owing over a fixed period of time.
    • The second type is to file a consumer proposal using the services of a licensed Trustee. In this process you make an offer to your creditors to repay only a portion of your debts owing over a period of time.This covers all of your unsecured debts
    • The last type is to use a debt counselor to negotiate a repayment plan with your major creditor.


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    I received my Discharge from Bankruptcy earlier in the week, and I just wanted to thank you for helping me through this process. Before meeting with you I stressed out and terrified about my future; now I'm a lot less stressed (the job market still isn't great), and a lot more hopeful. I appreciate everything you've done, and if I know anyone needing similar help (I hope not), I will definitely refer them to A. Farber and Partners. Regards, Wayne B


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