The Consumer Proposal Process. If you are considering filing a consumer proposal, the first step is to meet with a trustee in bankruptcy who will act as your proposal administrator. During this free consultation, the trustee will review your situation and provide you with details regarding the available options. consumer proposal (applicable in Ontario and all province of Canada) is a formal agreement between you and your creditors in which you make an offer to settle your debts for an amount that is less than the total amount owing. This can result in as much as a 70% reduction in the amount you owe.