The service provided it was suggested that I do a consumers proposal rather than an bankruptcy . The officials explained everything in detail and made it easy to understand. We had two counselling sessions that went well the official was always pleasant and easy to understand. It was explained what the payments would be and the payment when it would be taken out of my bank account. and when the final payment would be taken. The proposal was sent out to the creditors a few adjustments had to be made and then the creditors accepted the proposal and the payments have been made promptly ever since. At the end of every month the payment is taken out of my account and then dispersed to the creditors. I am thankful for all the help and support I received from Bankruptcy Canada.