Free and confidential consultation

450-621-0335

514-796-0474

APPOINTMENT

SAY GOODBYE TO YOUR DEBTS

We can help you get rid of your debts in less than 48 hours.

Our advisers will help you free yourself from the burden of your debts and guide you toward the peace of mind of a debt-free life.

Licensed Insolvency Trustee in Laval, Greater Montreal and South-Shore

We are your partner to help you find a balance in your personal finances.


As a licensed insolvency trustee, we are professionals who hold a government-issued license. Our mission is to allow you to see your current financial situation more clearly and support you throughout the process which will allow you to free yourself from the burden of your debts.

Filing for bankruptcy is not your only option. We will take the time to take a close look at your situation and present you with all possible options available to you.

Among these solutions, there is among other things the consumer proposal which will ensure that you keep your assets including your car and house.

An authorized insolvency trustee, such as Poupart Trustee, is the only professional who can administer a personal bankruptcy or a consumer proposal filing with the authorities.

He must comply with a strict code of ethics, and abide with the Government has a regulator. Fees are determined by law.

GET A FREE CONSULTATION

Free, no obligation and confidential

We will answer all your questions and take the time to understand your situation.

We will work with you to restore your personal finances

01

Listen

We will listen to you carefully and without judgment when you tell us the details of your debt problems.

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02

Help

Our experienced advisers will be able to offer you a solution adapted to your situation that will help you more.

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03

Support

We will support you so that you can say goodbye to your debts once and for all and make a fresh start.

OUR SOLUTION

Bankruptcy is not your only solution.

We will guide you to the best solution for your situation.


Did you know that there are a number of alternatives available to avoid filing for bankruptcy? By contacting Poupart Trustee Inc. you will be able to take advantage of the sound advice of our team to choose among the various options available to you:

Debt Consolidation
Consumer Proposal
Financial restructuring
Voluntary deposit

Our expertise and extensive knowledge of the financial and legal communities allow us to understand the issues related to your situation and help you get out of it.

Our advisers will answer all your questions. Take the first step by contacting us. We'll take care of everything.


Free and confidential consultation

450-621-0335

514-796-0474

APPOINTMENT

info@poupartsyndic.ca
In most cases, you will be able to keep your car. If it is leased, you will need the lender's agreement to keep your vehicle and you will have to make sure you meet the monthly payments. If the value of your car is minimal, you could keep it, under certain conditions.
If the value of your house is equivalent to the balance of your mortgage, it may be possible to make arrangements with your mortgagee. However, if the value of your home is substantially higher than your mortgage balance, you should probably consider other solutions.
No, with the exception of high-value furniture, such as antiques and art objects, which are not considered essential.
In some cases, your belongings may be seized. However, once you are under the protection of the Bankruptcy and Insolvency Act, your creditors will no longer be able to seize them.
Yes, unless they are the result of fraud.
Normally, the credit of people in financial difficulty has already been affected. Following a bankruptcy, a notice will be placed on your credit report and it will remain there for a period of 6 to 7 years.
The bankrupt person's wage (including commissions) will be monitored monthly. In addition, every month, the person who filed for bankruptcy will have to inform of their total family income by giving proof of revenues (pay slip, income tax, bank statements), which will be given to the trustee, in order to report his or her income and expenses. This information will be necessary to calculate the amount of the bankrupt person's monthly household income, amounts spent on rent, food, clothing, etc.

The bankrupt person will be required to pay the trustee a portion of any excess income, every month, in accordance with the standards established by the Superintendent. These standards set out the maximum amounts necessary to support the household of a bankrupt person. Surplus income payments must be made every month for the duration of the process.
No, unless your wage has already been garnished (i.e. seized).
Your creditors will be notified by mail, fax or email. In most cases, no publication will be made in newspapers, but be aware that the process is nevertheless in the public domain.
All RRSPs are exempt from seizure, except for contributions made during the past twelve (12) months.
Yes, because according to the law, any action against you must stop immediately. Secured creditors and alimony payments are not affected.
The monthly cost is determined by the government, based on your income. Since you will no longer have to pay your debts after bankruptcy, you will then be able to make your payments every month.
For a bankruptcy that is subject to summary administration, the fees are represented by the rate specified in the law and depend on your income.

The base fees cover all services provided, including the cost of mandatory counseling sessions and registration fees. During your initial consultation, it will be decided whether it is better to opt for affordable monthly payments or to pay the full amount at the outset. These monthly payments or that lump sum payment are part of the obligations relating to surplus income payments.

For a bankruptcy under ordinary administration, involving significant assets and requiring a considerable amount of work on the part of the trustee, the trustee's fees will be based on the number of hours worked by the trustee's staff, the complexity of the file and many other relevant factors.

The fees are subject to review by the Office of the Superintendent and, need to be approved by the inspectors/creditors and the Court.