Why I Went Through Both a Debt Management Plan and a Consumer Proposal
I went through both a DMP and a proposal and only one of them fit me. Knowing what I know now, I wouldn't do a DMP again. Not with the income I had.

Jeremy is a screenwriter, ghostwriter, author, and civic accountability journalist covering power, governance, technology, and finance. He makes things up and digs things up, often in the same day.
I went through both a DMP and a proposal and only one of them fit me. Knowing what I know now, I wouldn't do a DMP again. Not with the income I had.
While the applications did lower my score temporarily, the subsequent reports showed movement in a decidedly upward direction. I have two secured credit cards. They work. My score is moving, and that’s all that matters.