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ALL DEBT SOLUTIONS START WITH A FIRST STEP!

Do you need to get rid of your debts once and for all and avoid debt collection actions?
Are you looking for a way to pay off your debts without the risk of foreclosure?
Are you caught in a cycle of excessive debt? A return to financial health is always possible.

How does it work?

1| We establish a plan

The goal is to get you out of debt as quickly as possible, to comply with a payment plan that you can easily afford, to eliminate stress, and to protect your assets. After examining your current financial situation, we define a personalized plan to meet the immediate short-term debt management needs that correspond to your long-term financial goals. The fees cover the entire program, from resolving your current financial problems to rebuilding your credit.

2| We consolidate your debt

Our role is to assist you, the debtor, and structure a new affordable payment plan to address your debt, either through a comprehensive budgeting program or, if necessary, through the Bankruptcy and Insolvency Act (the “Act”). The Act provides two main remedies for individuals facing debt problems: consumer proposals 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 as a fiduciary on behalf of the creditors. It is therefore imperative that you obtain your own representation in any important decision. If structured properly, 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.

3| We help you restore your credit score

Budgeting and rebuilding credit is the backbone of any effective debt management plan. Once the new proposal is in place, it’s the next thing we’ll discuss with you. Our consultants, with their experience and human approach, are available to help you understand your credit history and the importance of maintaining a good credit score, understand how to effectively manage your credit and stay out of debt.

Imagine a debt free future.

Debt can be the result of many problems and circumstances in life: a failing or bankrupt business, a reduction in work hours, a drop in sales commissions, a divorce or separation, an injury or illness, or simply poor financial decisions. It is important to understand that debt does not represent you as a person. Like millions of Canadians, you are struggling with debt. But with timely advice, a solid debt restructuring plan and immediate credit rebuilding, you can emerge from your debt wiser, calmer, financially stronger and never be in debt again.
WE SOLVE YOUR CONCERNS

In a time three movements!

NEED TO FIND AN OFFICE near you?

Choose your office

MONTREAL

9880, rue Clark, suite 350, Montreal, (Quebec) H3L 2R3

Phone: 514-286-0007

REPENTIGNY

468A, rue Notre-Dame, Repentigny, (Quebec) J6A 2T5

Phone: 450-585-2222

MASCOUCHE

117, chemin des Anglais, Mascouche (Quebec) J7L 3N7

Phone: 450-417-4484

ST-JÉROME

489, rue Laviolette, bureau 202, St-Jérome, (Quebec) J7Z 2T8

Phone: 450-431-5551

JOLIETTE

43, rue de la Visitation, St-Charles-Borromée, (Quebec) J6E 4N1

Phone: 450-758-7682

VICTORIAVILLE

268, boul. des Bois-Francs Nord, Victoriaville (Quebec) G6P 1G5

Phone: 819-752-7011

VAUDREUIL-DORION

17 boul. de la Cité-des-Jeunes Est, bureau 200, Vaudreuil-Dorion (Quebec) J7V 0N3

Phone: 514-286-0007

DRUMMONDVILLE

235 rue Hériot, suite 110, Drummondville, QC J2C 6X5

Phone: 819-473-7400

BLAINVILLE

1060, Boul. Michèle-Bohec, suite 105, Blainville, Québec



Phone: 450-437-5557

LONGUEUIL

1969, rue Ste-Hélène, Longueuil, QC J4K 3T4

Phone: 450-585-2222

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