Debt consolidation

This consists in contracting a loan from a financial institution, which allows you to pay some or all of your creditors, in a single payment determined according to your current budget.

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Consumer proposal

This consists in making an offer to your creditors in order to modify your obligations towards them, including making lower monthly payments and spreading them over a longer period.

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Personal bankruptcy

This involves a legal process under the Bankruptcy and Insolvency Act, which releases you from your commitments to your creditors and cancels all your debts (with a few exceptions) with reasonable conditions.

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Voluntary deposit

This entails a procedure where you would make monthly payments to the court, depending on your income and number of dependents. The court would then distribute the payments.

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Accompanying services for overindebted people

Poupart Trustee will help you find the best solution for your situation and will deal directly with your creditors on your behalf. From then on, they will no longer be able to initiate or continue collection procedures or other judicial procedures against you.


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