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How Consumer Proposal Resolve debts and avoid bankruptcy in Vancouver

What is a Consumer Proposal and why is it the preferred method for Canadians?

A consumer proposal is a simple solution that legally reduces that amount of debt you have to pay to something that is manageable within your current budget.

Once you recognize that you have a debt load that is becoming increasingly difficult to manage then you are more than half way down the road to solving the problem.

Some pointers to this might be that you are only making the minimum monthly payments on your credit cards or that you are actually missing payments altogether. When you look back you realize that in spite of all the months you have been paying off your creditors your overall debt levels do not seem to have decreased by that much. The reason is that the high level of interest rates on both store cards and credit cards make it difficult to reduce the balances owing if you are on a tight household budget.

If this is the situation that you are in then there are a number of tried and tested solutions available to you to solve this problem. Dealing with this will provide both financial and emotional relief. With the right solution you can reduce your debt load and get relief from the ongoing calls from creditors and collection agencies.

Afarber Consumer Proposal Services in Vancouver
Afarber & Partners Debt Calculator Vancouver

Alternative Financial Solutions

In addition to a CONSUMER PROPOSAL other solutions include:

  • credit counseling,
  • debt consolidation
  • and informal debt settlement.

If at all possible you’d want to avoid filing for a bankruptcy. There are both advantages and disadvantages of a consumer proposal or bankruptcy. Your own specific circumstances will determine which is the right solution for you. Factors that will be taken into account include take home pay; the level of your debts, how many people in your family and lastly the value of any unsecured assets you may have.

Because of the advantages offered by a consumer proposal, this is a solution that is being increasingly used by many Canadians to resolve their debt problems.

Consumer Proposal
versus Bankruptcy

Review the difference between Bankruptcy
and Consumer Proposal

Consumer Proposal
versus Debt Settlement

Learn about all options to resolve
your debt problems

Consumer Proposal vs
Debt Consolidation Loans

How Consolidation Loan is different
to Consumer Proposal

Bankruptcy in Vancouver
Debt Consolidation Vancouver
Debt Settlement Vancouver

My name is Aaron, and I filed a consumer proposal with a Martin’s help. Your patience and guidance have meant more to me than you know. Consumer proposal was the best solution, honestly, I couldn’t even imagine it exist and will help me to solve my debt problems. Thank you Martin for guiding me through all this process.

Aaron L.

I just received your letter stating my proposal was accepted and I wanted to say THANK YOU! I feel like I get another chance for a better life for myself and especially my son and for that I am truly grateful.

M. J.

Thank you and the staff of A. Farber & Partners for their outstanding service in helping my wife and I turn our lives around. We couldn’t have done it without your help. We know we picked the right people to help us.






Education & Professional Qualifications

  • Bachelor of Arts (Honours) in Law, Carleton University, 2004
  • Licensed Trustee in Bankruptcy, 2009
  • Chartered Insolvency and Restructuring Professional (CIRP), Canada, 2009


Martin Cyr is Trustee in Bankruptcy with the Insolvency & Restructuring practice of Farber Financial Group and is responsible for providing debt solution services primarily to the residents of Metro Vancouver.

His practice focuses on small businesses and corporate insolvency and restructuring, distressed financial advisory services and corporate consultative advisory services. He has been involved in Bankruptcy and Insolvency Act (BIA) engagements across a wide range of industries, including retail, manufacturing, cosmetics, hydro-electric, not-for-profit, and construction.

Martin joined Farber Financial Group in 2007. In 2009, Martin became a licensed Trustee in Bankruptcy. Martin’s practice primarily focuses on helping business owners and professionals with their financial issues, with the goal of coming to an equitable resolution with all their creditors. Often,

Martin is called upon to work directly with the Canada Revenue Agency (CRA) to help people avoid bankruptcy and negotiate a reduction in their tax debts.




Education and Professional Qualifications

  • Bachelor of Education and Bachelor of Science at University of British Columbia in 2003/2004
  • Chartered Accountant (CA), 2008
  • Chartered Insolvency and Restructuring Professional, 2012


Bridget is a Trustee in the Insolvency and Restructuring practice of the Farber Financial Group. She is primarily responsible for providing debt solution services to individuals in British Columbia

Prior to joining Farber in May 2015, Bridget managed the Consumer Insolvency business of a major accounting and insolvency firm in BC.

She has also had extensive experience in corporate recovery engagements across a broad range of industries including retail, medical, leisure and commodities.

In addition she has also been involved in numerous assignments involving financial institutions in BC.

Outside of work, Bridget has been associated with the Cinderella Project which promotes inclusiveness for underprivileged students as well as the Easter Seals