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Practical advice and articles to help you see more clearly.

proposition consommateur

How much does a consumer proposal cost ?

Consumer Proposal How much does a consumer proposal cost ? If you are overwhelmed by debt and looking at your credit report gives you anxiety, we have the solutions you need. M. Roy & Associés has the tools you require to regain financial stability without having to declare bankruptcy. For example, the consumer proposal,

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carte de crédit

What to do when your credit cards are depleted?

PERSONAL FINANCES What to do when your credit cards are depleted? Using credit cards is a daily practice for many of us. Through online purchases, it has never been easier to spend money. That is why we have seen a significant increase in high credit card balances in recent years. Being able to buy

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calculer ratio endettement

How to use a debt-to-equity calculator?

PERSONAL FINANCES How to use a debt-to-equity calculator? Are you having trouble managing your debts and worrying about your financial health? If you would rather know the extent of your debt, then it’s time to take a closer look. It’s essential to know how to calculate your debt-to-income ratio. It will help you keep

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faire face monté taux intérêts

How to cope with inflation and rising interest rates?

PERSONAL FINANCES How to cope with inflation and rising interest rates? A hot topic these days, galloping inflation and rising interest rates can be a major source of concern. In particular for anyone who has to go to the grocery store on a daily basis or fill up on gas. Few of the things

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faillite personnelle

How to file for personal bankruptcy

PERSONAL FINANCES How to cope with inflation and rising interest rates? A hot topic these days, galloping inflation and rising interest rates can be a major source of concern. In particular for anyone who has to go to the grocery store on a daily basis or fill up on gas. Few of the things

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The first meeting with an insolvency trustee should be free

INSOLVENCY TRUSTEE The first meeting with an insolvency trustee should be free Why should the first meeting be free of charge ? When people find themselves in a situation of over-indebtedness, they often try to minimize their current expenses. People do this in the hope that they will eventually be able to pay off the

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