Licensed bankruptcy
trustee in insolvency

Together we can find a solution
in only 60 minutes.

We believe that everyone deserves a second chance. That’s why we help you find a solution to make things clearer and easier.

In person, by phone or video conference


Our solutions

With the help of our Licensed Insolvency Trustees (LIT), a plan is developed to settle your debts and balance your budget.


Debt consolidation is a debt solution where a financial institution grants you a single loan. This loan extends over a maximum period of 5 years and is used to pay off your other creditors.

Personal bankruptcy

When other debt solutions do not apply, personal bankruptcy is the last resort. It allows you to get rid of your debts and finally put an end to creditor harassment

Consumer Proposal

A consumer proposal is a solution that allows you to negotiate a reduction on your overall debt. You pay a lower monthly amount based on your current budget, not the minimum amount owed on your cards.


Commercial Services

Hiring a trustee allows businesses and professionals to get back on track. We have the resources to help you see more clearly.

Is your business experiencing financial difficulties? It is essential to choose a trusted partner to guide you through this process. Our expertise in bankruptcy and insolvency enables you to understand the options that apply to your situation.

In an unpredictable and ever-changing marketplace, there are many reasons why a business may experience financial problems. These include:

  • Increased competitiveness;
  • Loss of major clients;
  • Unsustainable debts;
  • Inadequate budget management;
  • Decline in revenue and/or profitability;
  • Losses in financial statements for two consecutive years;
  • Declining market;
  • Negative cash-flow due to excessive debt service.

Learn more and take control of your finances

proposition consommateur

How much does a consumer proposal cost ?

Consumer Proposal How much does a consumer proposal cost ? If you are overwhelmed by debt and looking at your credit report gives you anxiety, we have the solutions you need. M. Roy & Associés has the tools you require to regain financial stability without having to declare bankruptcy. For example, the consumer proposal,

Lire la suite »
carte de crédit

What to do when your credit cards are depleted?

PERSONAL FINANCES What to do when your credit cards are depleted? Using credit cards is a daily practice for many of us. Through online purchases, it has never been easier to spend money. That is why we have seen a significant increase in high credit card balances in recent years. Being able to buy

Lire la suite »
calculer ratio endettement

How to use a debt-to-equity calculator?

PERSONAL FINANCES How to use a debt-to-equity calculator? Are you having trouble managing your debts and worrying about your financial health? If you would rather know the extent of your debt, then it’s time to take a closer look. It’s essential to know how to calculate your debt-to-income ratio. It will help you keep

Lire la suite »
Scroll to Top
Scroll to Top