Office in Terrebonne - To be opened in March 2024

Bankruptcy Trustee in Terrebonne

To free yourself from debt and lead you to a healthier financial situation, put your trust in our team of financial reorganization consultants in Terrebonne.

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M. Roy & Associés - Licensed Insolvency Trustee Located in Terrebonne

If you’re concerned about your financial difficulties, our team of licensed insolvency trustees and financial reorganization consultants in Terrebonne is here to support you. We’re ready to guide you toward the best solution, allowing you to start a new phase of your life unencumbered by debt. A potential solution to lighten your monthly payments could be to explore a consumer proposal.

If you can’t benefit from the proposal, considering personal bankruptcy could be a solution to wipe out your debts and start afresh.

Our Process

Would you like to get rid of your debts once and for all and avoid collection procedures?

Are you looking for a safe way to pay off your debts while avoiding any risk of seizure?

Stuck in a vicious circle of excessive debt? You can get your finances back on track.

How does it work?

We establish a clear and structured plan

The aim is to help you get out of debt as quickly as possible by following a payment plan tailored to your budget, to reduce stress and safeguard your assets.

Following an assessment of your current financial situation, we design a customized plan to meet your immediate short-term debt management needs, in alignment with your long-term financial goals. The fee covers the entire program, from resolving your current financial problems to restoring your credit rating.

We assist you and consolidate your debt.

You, as the debtor, benefit from our support in developing a new, affordable payment plan to deal with your debt. The approach can vary from adopting a detailed budgeting program to using the Bankruptcy and Insolvency Act (the “Act”).

The law provides two main options for individuals facing financial difficulties: a consumer proposal and personal bankruptcy. Only a licensed insolvency trustee, formerly known as a “trustee in bankruptcy”, can guide you through the process of filing a consumer proposal or personal bankruptcy. The trustee, as an impartial officer of the court, has a fiduciary duty to act on behalf of creditors. It is therefore essential that you be represented in any crucial decision. A well thought-out proposal usually offers the possibility of repaying a portion of your debt, and our clients often manage to reduce their debts by up to 80%. Creditors tend to prefer this solution to bankruptcy, since in the latter case they usually recover little or nothing at all.

We help you restore your credit rating

Effective debt management depends fundamentally on budgeting and credit rehabilitation. Following the implementation of the new proposal, our next point of discussion will focus on these aspects. You can count on our advisors, with their wealth of experience and people-oriented approach, to help you understand your credit file. They’ll help you maintain a solid credit profile, learn to manage your credit wisely and avoid prolonged indebtedness.

Make an appointment online at this branch

Schedule a free et confidential meeting at this office.

Our solutions

Debt Consolidation

This approach to resolving debt involves a financial institution granting you a loan specifically designed to pay off all your creditors.

Personal bankruptcy

Personal bankruptcy is seen as a last resort. It offers the possibility of reducing part of one's debts, but is only considered when other alternatives are not feasible.

Consumer Proposal

A consumer proposal allows you to negotiate a reduction in your debts, allowing you to pay an amount adjusted to your budgetary capacity.

Commercial bankruptcy

When a company is no longer able to operate profitably, it goes into commercial bankruptcy, triggering a liquidation process led by the trustee. The trustee's aim is to repay creditors by selling off the company's assets.

Business proposal

The business proposal offers an opportunity to reduce debt levels by negotiating a payment agreement acceptable to both parties.


To Contact Us

Office opening hours

To be opened in March 2024

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

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