Bankruptcy Trustee in Joliette
To free yourself from the burden of your debts, turn to a team of experienced and licensed bankruptcy trustees. Regain a healthy financial situation!
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M. Roy & Associés - Licensed Insolvency Trustee in Joliette
When you entrust your situation to M. Roy & Associés, you benefit from an entire team of licensed insolvency trustees and financial reorganization advisors who support you in your financial challenges. Together, we will find the strategy that will allow you to start fresh and breathe again, without being overwhelmed by debt. Among the solutions considered, a consumer proposal may be interesting as it allows you to reduce your monthly payments.
If this option does not apply to your situation, we can guide you towards personal bankruptcy. This option will allow you to erase your debts and regain control over your finances.
Make an appointment online at this branch
Schedule a free and confidential meeting with one of our advisors.
Our Process
Do you want to erase your debts and avoid collection?
Do you want to discover a new way to pay off your debts without fearing the risk of seizure?
Solutions exist for you in case of over-indebtedness!
How does it work?
We establish a clear and structured plan
Our goal is to free you from your debts as soon as possible, to set up a financing plan in which you are comfortable, to reduce the pressure related to stress, and to protect the assets you need.
We analyze your financial status, and based on that, we develop a plan tailored to your specific situation. In the short term, this plan will meet your debt management requirements. It will also cover all your medium and long-term financial goals. The costs associated with this approach cover the program, from the moment you settle your financial problems until your credit is restored.
We assist you and consolidate your debt.
In partnership, the debtor (“client”) and the advisor set up a new payment procedure. Debt management will be facilitated. It is through a global budget program or through the Bankruptcy and Insolvency Act (“the Act”) that we manage to free you from your debts.
The Act offers two remedies to individuals experiencing debt problems: the consumer proposal and personal bankruptcy. The only professional who can help you file either of these procedures is a licensed insolvency trustee, also known as a “bankruptcy trustee.” This is a neutral representative of the law who acts as a trustee for creditors. It is essential to be represented to support you in these essential steps. Well-designed, this proposal takes into account the payment of a portion of your debt. It is even common for 80% of the amount owed to be consolidated. Generally, institutions favor the consumer proposal over bankruptcy. In the latter, the creditor does not recover any amount.
We help you restore your credit rating
The quality and effectiveness of your debt management plan depend on establishing a budget and restoring credit. When your proposal is in effect, we will address these important issues. A team of experienced advisors, focused on the well-being of clients, is at your disposal to help you better understand your credit history and the need to establish a strong credit profile. We provide you with the means to understand and master your credit, but also to prevent excessive debt.
Our solutions
Debt Consolidation
This is a debt management method where a financial institution grants you a loan to pay off all of your creditors.
Personal bankruptcy
Personal bankruptcy is a last resort solution to reduce debts when all other options are not accessible.
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 involves liquidating a company's assets to repay creditors when it is no longer viable.
Business proposal
The concordat proposal is a solution that involves negotiating a mutually acceptable payment agreement to reduce debt.
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