Depending on your financial situation, it may be that the best way for you to find your financial equilibrium is through the negotiation by your trustee of a settlement agreement (proposal) with your creditors. This is an agreement that puts you “under the protection of the law”, and in which your trustee negotiates a single monthly repayment plan without interest and in almost all cases, the settlement is less than the total debt. Only a trustee can offer this kind of protection. For more information about this option, please select Consumer Proposal.