Consumer Proposals in Kelowna, British Columbia

A consumer proposal in Kelowna allows you to negotiate with creditors to repay a portion of your unsecured debt — typically 30% to 50% — over up to five years. The process is administered by a Licensed Insolvency Trustee and provides legal protection from creditors. All collection calls and wage garnishments stop once the proposal is filed. In Kelowna, there are 8 Licensed Insolvency Trustees who can help you file a consumer proposal.

8 ProvidersLast updated: March 2026

Frequently Asked Questions

How much does a consumer proposal cost in Kelowna?

A consumer proposal in Kelowna typically costs 30% to 50% of your total unsecured debt. LIT fees are included in your payments — there are no additional upfront costs. Initial consultations are free.

How long does a consumer proposal take in Kelowna?

A consumer proposal can last up to 60 months (5 years), though many are completed sooner. The timeline depends on your debt amount and ability to pay.

Will a consumer proposal stop collection calls in Kelowna?

Yes. Once filed, a consumer proposal provides a legal stay of proceedings that stops all collection calls, wage garnishments, and legal actions from unsecured creditors.

MyClearDebt is not a debt relief provider. We do not provide financial or legal advice. Only Licensed Insolvency Trustees can administer consumer proposals and bankruptcies in Canada. Verify any provider's licence on the OSB register.

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