Bankruptcy Trustee in Blainville
Our team of licensed bankruptcy trustees in Blainville is here to relieve you of your debts and guide you towards better financial health.
In person, by phone or video conference
In a time three movements!
M. Roy & Associés - Syndic autorisé en insolvabilité Located in Blainville
Our team of licensed insolvency trustees and financial restructuring advisors in Blainville can help you if you have financial problems. We will guide you towards the best solution to start fresh and debt-free. A consumer proposal may be a solution for you to reduce the burden of your monthly payments.
If a consumer proposal is not possible in your case, personal bankruptcy would allow you to eliminate your debts and start anew.
Our Process
Do you want to get rid of your debts once and for all and avoid collection measures?
Are you looking for a way to repay your debts without the risk of seizure?
Caught in a cycle of excessive debt? Returning to financial health is possible.
How does it work?
We establish a clear and structured plan
The goal is to get you out of debt as quickly as possible, comply with a payment plan that you can easily afford, eliminate stress, and protect your assets.
After reviewing your current financial situation, we define a personalized plan to meet your immediate short-term debt management needs, which correspond to your long-term financial goals. The fees cover the entire program, from resolving your current financial problems to rebuilding your credit.
We assist you and consolidate your debt.
Our role is to assist you, the debtor, and structure a new affordable payment plan to deal with your debt. This can be done through a comprehensive budgeting program or through the Bankruptcy and Insolvency Act (“the Act”).
The Act provides two main remedies for individuals facing debt problems: the consumer proposal and personal bankruptcy. Only a licensed insolvency trustee (formerly a “bankruptcy trustee”) can assist you in filing a consumer proposal or personal bankruptcy. The trustee is a neutral officer of the court who must act on behalf of the creditors, as a fiduciary. It is therefore imperative that you obtain your own representation in any important decision. If structured correctly, the proposal will generally repay a portion of what you owe, and it is common for our clients to eliminate 80% of their debt. Creditors generally prefer the proposal to bankruptcy, as in the latter case, creditors generally recover nothing.
We help you rebuild your credit score
Budgeting and credit rebuilding are the cornerstones of any effective debt management plan. Once the new proposal is in place, this will be the next thing we address with you. Our counselors, who have extensive experience and a human approach, are available to help you understand your credit report and maintain a strong credit profile, understand how to effectively manage your credit, and not become permanently indebted.
Our solutions
DEBT CONSOLIDATION
This is a debt solution whereby a financial institution grants you a loan that will be used to pay off all of your creditors.
Personal bankruptcy
Personal bankruptcy is considered a last resort solution as it allows for a reduction of some of your debts. It is considered when other options are not viable.
Consumer Proposal
A consumer proposal is an option that allows you to negotiate a reduction in debts in order to pay a reduced amount based on your budgetary capacity.
Commercial bankruptcy
Commercial bankruptcy occurs when a company is no longer viable. It is a solution in which the trustee will liquidate the company's assets in order to repay creditors.
Business proposal
The concordat proposal is a solution that allows for the reduction of debt by negotiating a payment agreement acceptable to both parties.
THE SOLUTION TO EVERY PROBLEM STARTS WITH A FIRST STEP!
To Contact Us
Office opening hours
Friday – 8:30 a.m. to 3:30 p.m.
Possibility of meeting in the evening