I am dealing with a very frustrating situation right now.

A client filed a consumer proposal  The proposal was accepted and she had been making the required payments until April 2009.  At that point she lost her job and was waiting for her EI to start.  She promised to be in touch with us once she started receiving her cheque in 2 weeks to discuss a future payment plan.

Today is June 17 and she still hasn’t called us and we have been unable to reach her on the phone.  I hate to think she is at home stressing out when there is usually a solution to the problem.  What would her solution have been?  She could have filed an amendment to her consumer proposal to lower her payments.  Instead of doing that, by avoiding the situation her proposal will be annulled in 2 weeks.  The payments she has been making for the past 3 years will be distributed to her creditors, but now she will be in the same position as she was before she filed.

If your situation changes after you filed a consumer proposal, it is very important to let us know so we can work out an alternative plan.  You can call us at 310-PLAN to update your information.