Individual bankruptcy is usually perceived as the sole way out for all those drowning in debt, but it’s not generally the ideal Remedy. For Toronto people, a shopper proposal offers a practical substitute that reduces money burdens although avoiding the critical implications of individual bankruptcy. https://docs.google.com/spreadsheets/d/1MByDhHwYyj4Rv4V_E71SiHBuQL1qIfE8jO8FcPKtP4M/edit?usp=sharing