A few months ago, I bought a new car, financed by the bank. My partner signed the loan agreement, and I was the co-buyer. If I sign a consumer proposal, what impact will it have on the loan? I don't want my partner to be disadvantaged.

Questions reliées

• Can I consider the consumer proposal even if I am receiving unemployment insurance benefits (I have the maximum benefits)?
• Can my spouse and I submit a proposal at the same time? We have approximately $115,000 in debt. Can we also include our line of credit and credit facilities in this proposal? My mortgage renewal is due next year: could the financial institution refuse me?
• Does making a consumer proposal impact our job prospects? To work for the government, applicants are required to sign an authorization to check references, criminal record, and credit before being hired.
• For the past few years, the provincial government has been garnishing my wages. After all this time, I'm at my wit's end. However, I'm indebted to friends and family. I also owe Hydro-Québec, Mastercard, and now the federal government is demanding over $4,000, which will result in another wage garnishment. I'm in debt and I couldn't pay my rent this month. Can I include my unpaid rent in my consumer proposal since my landlord has gone to the Régie du logement (Quebec Rental Board) and the next month is coming up and I won't be able to pay it?
• For the past three to four years, I've stopped making payments on my loans; the remaining amount is around $20,000 (personal loans). Following a workplace accident, I lost my job, and the CSST (Quebec's workers' compensation board) will cut off my benefits within two months. If someone I know can lend me up to $4,000, and I want to settle the debt completely instead of declaring bankruptcy and simultaneously receiving last-resort financial assistance (which I'll be forced to do in two months), is there any chance the collection agency would agree to pay 20% (or slightly less) of the total debt?