Saint-Jérôme Office

Bankruptcy Trustee in St-Jerome

Rely on experienced and licensed bankruptcy trustees to help you improve your situation and finally free yourself from your debts.

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M. Roy & Associés - Licensed Insolvency Trustee Located in Saint-Jerome

As soon as you begin the process with M. Roy & Associés, you benefit from a complete team of licensed insolvency trustees and financial reorganization advisors. Our mission is to support you through these financial challenges while finding the right strategy to help you envision a debt-free future. Even if you are in debt, there is a solution: the consumer proposal. This allows you to reduce the cost of your monthly payments.

In the event that this first option does not apply to your situation, it is still possible to file for personal bankruptcy. This is a process that erases all of your debt and allows you to 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 not know how to get rid of your debts without avoiding collection?

Would you like to repay without fearing the imminent risk of seizure?

Even in a situation of over-indebtedness, there are solutions!

How does it work?

We establish a clear and structured plan

The purpose of this meeting is to help you get rid of your debts as soon as possible, develop a repayment plan that you can stick to, limit the associated stress, and preserve your assets.

By analyzing your current financial situation, we then develop a customized plan to meet your needs. This plan will address your immediate debt management concerns, as well as your long-term financial goals. Finally, the fees associated with this process encompass the entire program, from the moment we resolve your financial problems to the restoration of your credit.

We assist you and consolidate your debt.

The counselor helps the client (called the “debtor”) organize a payment structure that will make it easier to repay their debts. However, some programs, such as the global budget program or the Bankruptcy and Insolvency Act (the “Act”), give us the tools we need to help you get out of debt.

Under the law, people with debt problems can choose between two options: a consumer proposal and personal bankruptcy. In both scenarios, only a licensed insolvency trustee can help you through these steps. Formerly known as a “bankruptcy trustee,” this professional is a neutral representative of the law who acts as a trustee for creditors. It is essential to be represented and supported to navigate this process smoothly. When the proposal is well-structured, it takes into account the payment of a large portion of the debt. Some clients even manage to consolidate up to 80% of their debts. Note that creditors prefer the proposal to bankruptcy, as the latter does not allow them to recover the amounts owed to them.

We help you rebuild your credit score

The successful debt management process inevitably involves developing a budget and restoring your credit. Once you have successfully completed the proposal stage, we will adopt a positive strategy for the rest. Experienced and caring counselors are available to help you understand your credit history and the importance of maintaining good credit. Together, we will find a way to help you better manage your credit while avoiding over-indebtedness.


Our solutions


This is a debt repayment alternative that involves obtaining a loan from a financial institution to pay off all your creditors, with the aim of settling your overall debt.

Personal bankruptcy

Personal bankruptcy is an extreme solution that allows for a reduction of debt, but it is generally considered a last resort when other debt management options have failed.

Consumer Proposal

The consumer proposal is a debt reduction option that involves negotiating a reduction of your debts based on your budgetary capacity, so that you can pay a reduced amount.

Commercial bankruptcy

Commercial bankruptcy occurs when the company is no longer financially viable, and it involves the trustee liquidating the company's assets to repay creditors.

Business proposal

The concordat proposal is a debt reduction option that involves negotiating a payment agreement that is agreeable to all parties, with the aim of reducing your 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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In Québec, the process of filing for bankruptcy involves working with a licensed insolvency trustee (LIT). A licensed insolvency trustee is a professional who is authorized by the government to administer bankruptcy and insolvency proceedings.

The trustee plays a crucial role in the bankruptcy process, including assessing your financial situation, distributing assets to creditors, and ensuring that the bankruptcy proceedings comply with the applicable laws and regulations.

The compensation for a trustee in bankruptcy is governed by the Bankruptcy and Insolvency Act (BIA) of Canada. The BIA is a federal law that outlines the rules and procedures for bankruptcy and insolvency across the country, including in Quebec.

The payment of a trustee in bankruptcy is generally based on a tariff set by the federal government. The tariff outlines the maximum fees that a trustee can charge for various services in the bankruptcy process.

It's important to note that the actual amount a trustee receives can vary based on the complexity of the case, the amount of assets involved, and other factors. The fees are subject to approval by the creditors and the Office of the Superintendent of Bankruptcy, which is a federal agency overseeing bankruptcy matters in Canada.

If you have specific questions about the compensation of a trustee, don’t hesitate to consult one of M. Roy & Associés licensed insolvency professional or legal advisor. Our team will be able to guide you according to the most recent regulations and the details specific to your situation.

Bankruptcy trustees play an essential role in the bankruptcy and insolvency process. Their main objective is to facilitate the resolution of the financial difficulties of an indebted person or company. They act as intermediaries between the debtor and creditors, facilitating communication and negotiating agreements where possible.

Bankruptcy trustees assess the financial situation of the person or company in debt. In this way, they can determine whether bankruptcy is the best option, or whether there are other alternatives, such as a consumer proposal.  In bankruptcy, trustees oversee the liquidation of the indebted person's or company's assets. Funds from the sale are used to reimburse creditors as much as possible.

Bankruptcy trustees are government-regulated professionals who must follow strict ethical standards in the performance of their duties. They are there to help indebted people through the bankruptcy process in an orderly and fair manner.

A bankruptcy trustee is a person charged with managing the affairs of a company or individual in bankruptcy. The bankruptcy trustee is appointed by the court to impartially supervise the process related to a proposal or bankruptcy. He or she ensures compliance with regulations and laws and protects the rights of debtors while safeguarding the interests of creditors.

We often think we should call on the services of a bankruptcy trustee when we're considering declaring bankruptcy. In reality, consulting a trustee is essential if you want to avoid bankruptcy. If you're experiencing financial difficulties, making an appointment with a licensed bankruptcy trustee can help you get out of the situation before it's too late.

It is strongly recommended that you consult a qualified professional if you wish to avoid personal bankruptcy. Licensed bankruptcy trustees in insolvency are qualified to provide advice tailored to your specific situation.

Yes, bankruptcies can have a negative impact on credit. When an individual files for bankruptcy, it is usually reflected on their credit report. This can significantly lower their credit score and make it more challenging to obtain credit or loans in the future.

Bankruptcy information generally remains on a credit file for six to seven years. During this time, individuals may find it difficult to qualify for new credit, and if they do, they may face higher interest rates.

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