Does consumer proposal affect sponsorship?

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Good news if you’re considering bringing family to Canada: a consumer proposal won’t stop you! Unlike bankruptcy, a consumer proposal doesn’t threaten your sponsorship eligibility. This approach to managing debt allows you to stay on track with your immigration plans, as long as you follow the financial rules. Remember, it’s bankruptcy that complicates sponsorship. Trustees get paid by the lender and creditor and don’t advocate for Canadians in debt. Beware! Reach out via phone, text, or live chat if you have any questions.

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Consumer Proposal Affect Sponsorship Question

Does consumer proposal affect sponsorship? I’m wondering if filing a consumer proposal impacts my ability to sponsor someone for immigration to Canada.

From: Anonymous Question
Location: St Johns, Newfoundland Labrador (NL)
Category: consumer proposal

Consumer Proposal Affect Sponsorship Answer

If you’re thinking about bringing family members to Canada, but you’re worried about a consumer proposal, there’s good news. Unlike bankruptcy, a consumer proposal won’t put the brakes on your plans to sponsor someone. The Immigration and Refugee Protection Act specifically lists undischarged bankruptcies as a no-go for sponsorships. But guess what? Consumer proposals don’t make that list! It’s a different way to tackle your debts, letting you stay on track with immigration sponsorship, as long as you stick to the financial rules. Just remember, bankruptcy is the one that makes things tricky until you’re in the clear.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

Filing a consumer proposal does not directly impact your ability to sponsor someone for immigration to Canada. However, under the Immigration and Refugee Protection Act, sponsors must demonstrate that they have sufficient income and ability to support the sponsored person. If your consumer proposal affects your financial situation significantly, it could influence the assessment of your ability to meet these requirements.

For more specific information, refer to the Immigration and Refugee Protection Act and its associated regulations, as the act outlines the requirements for financial obligations for sponsors.

From: OSB Helper

Related Questions to Consumer Proposal Affecting Sponsorship

Here are the top 5 most frequently asked questions related to the impact of a consumer proposal on sponsorship in Canada, along with brief answers:

1. Does a consumer proposal affect my sponsorship application?

No, a consumer proposal does not prevent you from sponsoring someone[1][4].

2. Can I sponsor my family if I am in a consumer proposal?

Yes, you can sponsor your family while in a consumer proposal, but the government may assess your ability to manage your debt and support your family[1][4].

3. How does a consumer proposal differ from bankruptcy in terms of sponsorship?

Unlike bankruptcy, a consumer proposal does not disqualify you from sponsoring family members, as long as you are not undischarged bankrupt[1][4].

4. What conditions might prevent me from sponsoring my family while in a consumer proposal?

You may be prevented from sponsoring if you have unmanageable debt, are incarcerated, have been convicted of certain offenses, or fail to meet minimum income requirements[1][4].

5. Will the government reject my sponsorship application if I have filed a consumer proposal?

The government may reject your application if they deem your debt unmanageable with the addition of your family, but this does not automatically disqualify you[4].

If you have a question about debt see our debt questions or ask your own debt related question.

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