A Consumer Proposal is one of the best ways in which you can avoid bankruptcy. It is a legitimate method of negotiating a settlement plan for your debt with your creditors. Not all consumer proposals are designed the same as it is the case with the proposal administrators. There are some important factors that a trustee should consider when they are drafting a proposal. These factors will help you in getting more votes from your creditors. A consumer proposal administrator should be keen on the monthly cash flow, breakdown of the creditors, and consistency of the income and also should estimate the bankruptcy recovery versus the proposal recovery.