2026-07-15
Bankruptcy versus Consumer Proposal timelines: What to expect from start to finish
Success Stories: Real Stories. Real Results.
These are real testimonials from past and current MNP clients who have used our debt solutions to overcome their debt and achieve financial stability.
You can count on our word and our clients’ stories. Read what they say about us.
TESTING
Kay Petryk - Calgary, AB
TESTING
Kay Petryk - Calgary, AB
I wish to state my thanks to MNP LTD, and David Gowling in particular; for the courteous, professional and personal services provided over the period of my financial difficulties. From 2011, all staff members I came in contact with made me feel respected and friend-like. The timely assistance and advice proved to save my dignity and desire to achieve a positive solution. This was achieved with the fulfillment of my consumer proposal financial requirement...
Douglas Swanson - Brantford, Ontario
Angela Anne Kloibhofer - Mississauga, Ontario
Denise - The Pas, Manitoba
I want to thank the professionals at MNP for going through the options with me when discussing insolvency. I had been given bad advice from a different debt consolidation company in my home community several years earlier, and it stopped me from proceeding. I went through several years of severe mental stress which caused other physical health issues because of this. If I had spoken with someone from MNP sooner, it would have saved me a lot of problems....
Stacey C. - Lloydminster, SK
Dealing with MNP was so easy, stress free and a simple process. Would and already have recommended to anyone struggling with debt.
A. Holland - Calgary, Alberta
Laura answered all my questions and concerns and helped me manage my finances during a difficult time.
Chad W. - Moncton, NB
I cannot stress enough how comfortable the fine folks at MNP have made the whole process of bankruptcy for me. They allayed my fears with their professional and personal attention to detail, guiding me through the process with compassion. I no longer feel like I am drowning; the light at the end of the tunnel is in view!
Sylvia B. - Kamloops, BC
As you might expect I was very nervous and ashamed to have to claim bankruptcy. I did the research for a number of different providers of this service and finally went with MNP because they were on a list of recommended service providers by a government website. I chose to go through an insolvency or bankruptcy because I was getting deeper in debt even though I had stopped using my credit card. My existing means of livelihood were not lucrative...
Satiya C. - Duncan, BC
Bankruptcy
When you’re overwhelmed by crushing debt, a personal bankruptcy will provide a fresh start and could be the Life-Changing Debt Solution you’re looking for. Choosing to file for bankruptcy is a serious decision which may not be for everyone.
MNP Debt Scale
Learn more about your debt health by answering 14 questions. Use the MNP Debt Scale to better understand your relationship with debt, identify challenges, and offer solutions. The assessment is completely confidential, takes only five minutes of your time, and provides personalized outcomes suited to your unique situation.
Consumer Proposal
We understand why you’re worried. You have debt, but you may also have assets you wish to keep and the idea of filing for bankruptcy is terrifying. You’re thinking about long-term financial impacts and wondering how to avoid them. If this sounds like you, a Consumer Proposal may be just the Life-Changing Debt Solution you’re looking for.
Latest Blog Posts
2026-07-13
MNP Consumer Debt Index: Saskatchewan and Manitoba residents caught in pre-spent paycheque cycle amid sustained cost pressures
MNP Consumer Debt Index
According to the latest MNP Consumer Debt Index, nearly three in five Saskatchewan and Manitoba residents (57%) say at least half of their income is already committed to bills, debt payments, and regular expenses before it arrives.
2026-07-13
MNP Consumer Debt Index: Manitoba and Saskatchewan residents caught in pre-spent paycheque cycle amid sustained cost pressures
MNP Consumer Debt Index
According to the latest MNP Consumer Debt Index, nearly three in five Manitoba and Saskatchewan residents (57%) say at least half of their income is already committed to bills, debt payments, and regular expenses before it arrives.
