How do debt management programs differ from bankruptcy and consumer proposals?

In a Bankruptcy, you go through the court system to remove your debt. This means you may have to make court appearances, go to creditor meetings, and meet with lawyers and possibly judges. A public record will be filed, published, and placed on your credit report. It can be very time consuming for you, taking you away from work at times. In a consumer proposal, it is similar, but your repayment plan will run through a trustee. You will experience the same type of issues with credit after you finish.
In a debt management program, once you finish the program, you will receive a certificate of completion that will assist you in proving you paid ALL your debt.