Joliette Office

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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We solve your worries

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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

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


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.


To Contact Us

Office opening hours

Monday to Thursday – 8:30 a.m. to 7:00 p.m.
Friday – 8:30 a.m. to 3:30 p.m.

Possibility of meeting in the evening

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