Bankruptcy Trustee in Longueuil
Choose a team of licensed bankruptcy trustees whose mission is to free you from your debts and help you move towards a healthier financial situation.
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M. Roy & Associés - Licensed Insolvency Trustee Serving Longueuil
If you are experiencing financial difficulties, our teams of licensed insolvency trustees and financial reorganization advisors located in Longueuil can help you. We will guide you towards the most effective method for starting a new debt-free beginning. The consumer proposal represents a good alternative for you to reduce the amount of your monthly payments.
If the proposal is not possible in your situation, personal bankruptcy would be a solution to regain your financial freedom and, more importantly, to eliminate your debts.
Our Process
Are you looking for a risk-free repayment plan to avoid seizure?
Are you caught in a cycle of excessive debt?
We have the perfect solution for you!
How does it work?
We establish a clear and structured plan
Our goal is to get you out of debt as quickly as possible, develop a payment plan that you can easily follow, avoid stress, and protect your current assets.
After reviewing the state of your current finances, we develop a new plan tailored to your short-term debt management needs and long-term financial expectations. Fees include the entire program, from resolving your financial concerns to restoring your credit.
We assist you and consolidate your debt.
Our role is to provide assistance to you, the debtor (“client”), and establish a reasonable new payment plan to settle your debts. This plan may take the form of a comprehensive budget program or the application of the Bankruptcy and Insolvency Act (the “Act”).
Only a licensed insolvency trustee (formerly a “bankruptcy trustee”) can help you undertake this process. 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 for any major decision. If properly structured, the proposal will generally allow you to repay a portion of what you owe, and it is quite common for our clients to eliminate 80% of their debts. Creditors prefer the proposal to bankruptcy, as the latter does not allow them to recover the amount of the debt.
We help you rebuild your credit score
Preparing a budget and restoring credit are the keys to the success of any debt management plan. When the new proposal is underway, we will discuss the next steps with you. Our advisors, with extensive experience and a humane attitude, are available to inform you about your credit file and the relevance of maintaining a strong credit profile, to help you understand how to effectively manage your credit and remain debt-free.
Our solutions
DEBT CONSOLIDATION
This is a debt management option where a financial institution grants you a loan that will be used to pay off all of your creditors.
Personal bankruptcy
Personal bankruptcy is considered as a last resort solution as it allows for a reduction of a portion of your debts. It is considered when other options are not viable.
Consumer Proposal
Personal bankruptcy is considered a last resort to reduce a portion of your debts, as it is only considered when other options are not viable.
Commercial bankruptcy
When a company is no longer profitable, commercial bankruptcy is considered. This solution involves the trustee liquidating the company's assets to repay the creditors.
Business proposal
The concordat proposal is a debt reduction solution that involves negotiation to obtain a mutually acceptable payment agreement for 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