Office in Sainte-Thérèse

Bankruptcy Trustee in ste-Thérèse

Take the weight of your debts off your shoulders with an experienced team of financial reorganization advisors. The solution to your financial problems is within reach!

In person, by phone or video conference

We solve your worries

In no time!

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M. Roy & Associés - Licensed Insolvency Trustee Located in Sainte-Thérèse

From the moment you begin proceedings with M. Roy & Associés, you benefit from the services of a specialized team of licensed insolvency trustees and financial reorganization consultants. Our aim is to support you in managing your financial problems, devising the best strategy to help you anticipate a debt-free future. No matter how complex your financial situation, there’s always a solution. For example, by choosing a consumer proposal you can reduce the cost of your monthly payments.

If this first solution doesn’t suit your situation, you can always opt for personal bankruptcy. The purpose of this method is to relieve you of all your debts, giving you back full control of your finances.

Our Process

Are you unsure of how best to manage your debts while respecting the collection process?

Would you like to repay your debts without fear of imminent seizure?

Solutions are still available, even in the event of overindebtedness.

How does it work?

We establish a clear and structured plan

The main purpose of this meeting is to relieve you of your debts as quickly as possible, devise a repayment plan that you can maintain, reduce the stress involved, while preserving your assets.

After analyzing your current financial situation, we develop a customized plan to meet your specific needs. This plan will address both your immediate debt management concerns, as well as your long-term financial prospects. The fees associated with this procedure cover the entire program, from resolving your financial problems to rehabilitating your credit history.

We assist you and consolidate your debt.

The professional advises the client (referred to as “debtor”) in setting up a repayment plan that will facilitate the settlement of his or her debts. That said, through programs such as the holistic budget and the Bankruptcy and Insolvency Act (the “Act”), we can provide you with the means to discharge yourself from your debts.

According to the law, those facing financial difficulties can choose between two solutions: a consumer proposal or a personal bankruptcy. Only a licensed insolvency trustee can guide you through the process of either of these scenarios. Formerly known as a “bankruptcy trustee”, this specialist plays a neutral role as a fiduciary for creditors. To get through this ordeal without a hitch, it’s essential to be properly represented and supported. When a proposal is well structured, it takes into account the repayment of a significant portion of the debt. Some customers successfully consolidate up to 80% of their debts. It should be noted that creditors prefer a proposal to bankruptcy, as the latter does not offer them the possibility to recover unpaid amounts.

We help you restore your credit rating

Creating a sound budget and restoring your credit score are vital parts of effective debt management. Once you’ve successfully passed the proposal stage, we’ll develop a positive strategy for the rest of the process. You can count on our experienced and attentive advisors to help you understand your credit history, as well as the need to maintain a good credit record. Together, we’ll work out a solution to improve your credit management while preventing the risk of overindebtedness.


Our solutions

Debt Consolidation

This method of debt repayment involves applying to a financial institution for a loan to pay off all your creditors. The aim is to resolve your entire debt.

Personal bankruptcy

Personal bankruptcy represents a radical solution to debt reduction. It is generally seen as a last resort when other debt management strategies have failed.

Consumer Proposal

The consumer proposal involves negotiating a reduction in your debt by adjusting the amount to your budget capacity. This solution allows you to repay a smaller amount.

Commercial bankruptcy

Commercial bankruptcy occurs when a company is no longer able to maintain its financial viability. The trustee then initiates a process to liquidate the company's assets and reimburse creditors.

Business proposal

A business proposal offers the possibility of reducing your debt by negotiating a payment agreement acceptable to all parties concerned.


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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