Yep, you're right, I was careless. I saw the same 2 pages as you ie.
http://www.bankruptcy-canada.ca/alternatives-to-bankruptcy/orderly-payment-of-debts.htm
http://www.bankruptcy-canada.ca/consumer-proposals/what-is-a-consumer-proposal.htm
for OPD's and CP's respectively, but I was on the fly for an appointment when I answered "Homework" this morning.
Nevertheless, the points I was interested in, were (1) why she's still receiving threatening collection calls from Kupferstein if there's been some sort of agreement that she's lived up to; and (2) of even more concern and cause for caution would be if she had, in fact, obtained a loan or credit through fraudulent statements. If Kupferstein learned that she had, then he might well be using those threats as collection leverage.
I have no way of knowing what happened as she only seemed capable of channelling her energy into "freaking out," instead of disclosing details.