Will My Sponsorship Be Affected By A Consumer Proposal?
“Will a consumer proposal affect my sponsorship?” Many of our clients are foreign-born so this is a common question in our practice.
One of the most common concerns we hear from people we consult with is the impact filing a consumer proposal may have on their ability to sponsor family members who wish to immigrate to Canada.
So, does filing a proposal prevent a person from sponsoring a family member?
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A Consumer Proposal Won’t Affect Your Sponsorship Application
Short answer: “No” – filing a consumer proposal won’t stop you from sponsoring someone. Here are examples of what will prevent you from sponsoring someone:
- You are a permanent resident subject to a removal order
- You are in jail
- You have been convicted of a sexual offense
- You’ve defaulted on child support payments
- You are in default of a debt owed under the Immigration and Refugee Protection Act
- You fail to meet minimum income requirements
- You are an undischarged bankrupt under the Bankruptcy & Insolvency Act
A Bankruptcy Will Affect Your Sponsorship Application
As you can see, someone that has filed for personal bankruptcy but hasn’t been discharged cannot sponsor someone. But a consumer proposal debtor is not a bankrupt – hence there is nothing that prohibits you from being a sponsor if you file a consumer proposal.
In fact, you’ll be in a better financial position once you got your debts under control through a consumer proposal, so you’ll be able to support family members when they arrive, and help them get settled.
Our Promise To You
If you want to work with a Trustee who will give you confidence and peace of mind that your consumer proposal is being dealt with in a professional manner, look no further.
Contact Fong and Partners Inc., one of the 3 Best Rated Trustees in the Greater Toronto Area.