Victoriaville Office

Bankruptcy Trustee in Victoriaville

Get rid of your debts and improve your situation by seeking the help of a team of experienced and licensed bankruptcy trustees.

In person, by phone or video conference

We solve your worries

In no time!

M. Roy & Associés - Licensed Insolvency Trustee Established in Victoriaville

The weight of debts is starting to weigh heavily on your shoulders? It’s time to contact our team of licensed insolvency trustees and financial restructuring advisors. Located in Victoriaville, we provide you with the necessary tools so that you can free yourself from your debts once and for all. Together, we find the solution that will put an end to your indebtedness. Among these, the consumer proposal is a viable option to reduce the burden of monthly payments.

However, if the proposal is not applicable to your financial situation, know that there are other solutions to start anew. This is particularly the case with personal bankruptcy.

Our Process

Do you want to set up a permanent solution to get rid of your debts and avoid collection actions?
Are you trying to repay your debts while wishing to avoid the risk of seizure? You are not alone!
If you are experiencing excessive debt, you can get through it.

How does it work?

We establish a clear and structured plan

The goal of the operation is to get you out of debt as quickly as possible and define a payment plan that suits your condition, where you won’t have difficulty repaying. Through these steps, we want to preserve your assets while reducing the stress associated with financial problems.

After examining your financial situation, we develop a structured plan that manages short-term debt while also fulfilling your long-term financial objectives. The fees associated with this process cover the entire program, from debt consolidation to credit restoration

We assist you and consolidate your debt.

In partnership, the advisor and the client (“debtor”) create a reduced repayment plan to make debt payment easier. Whether through a comprehensive budgeting program or through the Bankruptcy and Insolvency Act (the “Act”), we find the solution that will help you get out of debt.

People struggling with debt problems can use this law in two different ways: consumer proposals and personal bankruptcy. It is important to know that the only person who can support you in these steps is the licensed insolvency trustee (better known as the “bankruptcy trustee”). This is a neutral officer of the court who acts as a fiduciary for creditors. Make sure you have your own representation when you start this process, which is filled with important decisions. When the proposal is properly drafted, it should consolidate part of your debt. In fact, we often see that about 80% of the debt is repaid. Note that institutions are more inclined towards the proposal than bankruptcy, which generally does not repay anything.

We help you restore your credit rating

Since we want to rebuild your credit, a budgeting and credit restoration plan is put in place. After the proposal is filed, we will discuss the next steps. Working with a human approach, our advisors assist you in understanding your credit report, provide you with the necessary tools to take control of your credit, and provide management methods. Our goal is to do everything possible to avoid a return to debt.


Our solutions

Debt Consolidation

This solution for managing debt involves a financial institution granting you a loan that will be used to repay all of your creditors.

Personal bankruptcy

Personal bankruptcy is considered a last resort solution because it allows for a reduction of your debts, but is only considered when all other options have been exhausted.

Consumer Proposal

The consumer proposal is an option that involves negotiating a reduction of your debts, based on your budget 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 solution that allows for reducing debt by negotiating a payment agreement that is suitable for all parties involved.


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

Interactive Map

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