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Bankruptcy Trustee near Trois-Rivières

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Consult a Licensed Insolvency Trustee Remotely near Trois-Rivières

Are you experiencing serious financial difficulties and would like to identify solutions to help you get back on your feet?
Would you like to free yourself from the burden of debt without jeopardizing your assets?
There are options to help you get back on stable ground.

» It is always possible to meet us at our office – See our offices

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Our Process

How does it work?

We establish a clear and structured plan

Our goal is to help you get out of debt quickly and efficiently. We implement a payment plan tailored to your situation. All to preserve your peace of mind and protect your assets.

After analyzing your current financial situation, we develop a plan tailored to your specific needs. We’ll put together a customized plan that meets your immediate debt management needs. It will also help you achieve your long-term financial goals. Our one-time fee covers everything from helping you solve your current financial problems to implementing a strategy to rebuild your credit.

We assist you and consolidate your debt.

Our role is to assist you and offer concrete solutions to manage your financial situation. We will recommend the most appropriate option to get you out of debt. Several solutions are available to you, including a complete budgeting program. The Bankruptcy and Insolvency Act (the “Act”) also offers tools to help you regain control of your finances.

The Act offers two options for regaining your financial freedom: a consumer proposal and personal bankruptcy. Near Trois-Rivière a bankruptcy trustee, can guide you through the process. This impartial expert acts both on behalf of creditors and to protect you. It’s crucial to have independent legal representation to defend your interests. Properly structured, the proposal will enable you to pay off part of your debts, often eliminating up to 80% of the original amount. Creditors generally prefer this option to bankruptcy. In fact, a proposal offers them a better chance of recovering a portion of their money.

We help you rebuild your credit score

The foundation of any effective debt management plan is budgeting and rebuilding credit. Once your new debt relief proposal is in place, we’ll focus on these two crucial aspects. Our experienced and dedicated advisors will be with you every step of the way. They’ll help you understand your credit file, manage your credit effectively and rebuild your credit.


Our solutions

Debt Consolidation

Debt consolidation combines your debts into a single loan. This solution simplifies your finances with a single interest rate and monthly payment, reducing the stress of managing your debts.

Personal bankruptcy

Considered as a final option, personal bankruptcy can help you erase some of your debts and regain control of your financial future.

Consumer Proposal

Reduce the total amount of your debts with a consumer proposal. This legal tool allows you to regain control of your finances by paying a monthly amount adapted to your budget.

Commercial bankruptcy

Commercial bankruptcy is a complex process overseen by a trustee. The trustee is in charge of liquidating the company's assets and ensuring that creditors are reimbursed according to the order established by law.

Business proposal

A business proposal allows you to negotiate a payment arrangement adapted to your company's financial means, and to reduce the total amount of your debts. This solution enables companies to avoid commercial bankruptcy and regain control of their financial future.


Office opening hours

Monday to Thursday – 8:30 a.m. to 7:00 p.m.
Friday – 8:30 a.m. to 12:30 p.m.

Possibility of meeting in the evening

Monday to Thursday – 8:30 a.m. to 7:00 p.m.
Friday – 8:30 a.m. to 12:30 p.m.

Possibility of meeting in the evening



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.

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.

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.

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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