If excessive debt goes beyond taxes, the greatest legal option for a new financial beginning can be a consumer proposal. Without filing for bankruptcy, it enables people to work out a plan with their creditors, including the CRA, to pay off some of their debt over time. Taxpayers can create a proposal that strikes a balance between affordability and compliance with expert tax assistance, guaranteeing that the CRA would accept fair payback terms. This calculated method reestablishes confidence for a safe future in addition to restoring financial stability.