We are a common-law couple with two children. I am a stay-at-home parent, and my partner earns $70,000 a year. We own and occupy an income property in a triplex. Our debts total $90,000, broken down as follows: - $39,000 on a joint line of credit - $22,000 on my personal credit cards - $29,000 on my partner's credit cards Our living expenses (including food, gas, etc.) are $3,000 per month. Would we qualify for a consumer proposal, and what percentage of the $90,000 would we have to repay, or is bankruptcy our only option? We have been living on our lines of credit, and now they are maxed out. Of course, we don't want to lose our property, especially since we live in it.