2026-06-03
What happens if your income changes after filing a Consumer Proposal
These are real testimonials from past and current MNP clients who have used our debt solutions to overcome their debt and achieve financial stability.
You can count on our word and our clients’ stories. Read what they say about us.
Asking for help could be the most difficult decision someone in a similar debt situation to me would need to make. However, I am so glad I did. Working with MNP Debt on my Consumer Proposal was a delight. Everything was explained in great detail, often (if not always) answering my questions before I could even ask! Everyone I've been in contact with has been 10/10. Such a wonderful group of people to work with. It really helps considering the stressful...
J. J. - Pickering, Ontario
Absolutely fantastic staff that didn't make me feel horrible for going to them for help with my debt problems. They walked me through my options, helped me figure out my next steps and the paperwork and have been very prompt to any e-mail I have sent them with any questions I have. If you are struggling with debt, MNP will help you and they won't make you feel terrible for needing the help.
J. K. - Oshawa, Ontario
I had the pleasure of working with Margaret Cook during my incredibly stressful Consumer Proposal. She was so kind, understanding and took the time to understand my financial situation. She was incredibly knowledgeable and helped educate me on the right financial step for me going forward. I was incredibly scared, embarrassed, and stressed about my next steps after illness make it difficult for me to maintain debt payments. Margaret and her team at...
A. B. - Barrie, Ontario
I had accrued a lot of debt while attending college later in life and was only working part-time. I could not afford the interest payments anymore. I called MNP Debt with a Consumer Proposal in mind and they patched me through to Margaret Cook. Margaret was fantastic and very understanding of my situation and helped me through the process seamlessly. I appreciate her and the MNP Debt team greatly - thank you!
R. N. - Brampton, Ontario
Sara was a very pleasant and helpful soul. MNP really embraced my situation and put a plan in place that was more than affordable, which really put my mind at ease. MNP was always there to answer questions or concerns and ultimately changed my life. Thank you MNP Debt!
R. B. - Peterborough , Ontario
Sara McElroy was so helpful and patient in walking me through the process. Given the circumstances, I felt heard and considered. Thank you MNP!
S. A. - Toronto, Ontario
I would like to give thanks to MNP for providing me a path to financial fresh start. With the help of Sara McElroy, everything went very smoothly. The process was effortless with her. She did all the work for me. Professionalism and communication was remarkable. 10/10. I strongly recommend Sara McElroy & MNP Debt!
J. V. - Etobicoke, Ontario
Sara McElroy was the person that assisted me in this process and I am really pleased with the outcome. I am so thankful and relieved that my debt troubles are behind me. I will recommend her services and MNP Debt to anyone with financial struggles. Thank you Sara & the MNP team!
C. G. - Toronto, Ontario
I had the opportunity to work with MNP for my debt consolidation, and I cannot speak highly enough of the professionalism and care they showed throughout the process. From the very beginning, they took the time to thoroughly explain every detail of what they do, ensuring I had full clarity and confidence in the decisions I was making. In a world where many debt consolidation services can feel uncertain or even operate without proper recognition...
J. B. - Toronto, Ontario
MNP was wonderful to work with as I was dealing with my debt troubles. Thank you for all of your guidance and kindness during this process. It really makes a difference!
A. M. - Toronto, Ontario
Stay informed in minutes with the MNP 3 Minute Debt Break Podcast. Each episode offers quick, practical insights to help you take control of your debt and make confident financial decisions. From budgeting tips to debt relief strategies, our expert advice is designed to fit into your busy day, no fluff, just facts. Start listening and take the first step toward financial clarity.
We understand why you’re worried. You have debt, but you may also have assets you wish to keep and the idea of filing for bankruptcy is terrifying. You’re thinking about long-term financial impacts and wondering how to avoid them. If this sounds like you, a Consumer Proposal may be just the Life-Changing Debt Solution you’re looking for.
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