financial solutions

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Helping you is our business

Are you facing financial difficulties and are you stressed by not being able to meet your obligations? We have solutions!

Assess Your situation

Do you have concerns about staying on top of your debt payments? Talk to our trusted advisors about how to manage your money.

In Case of Insolvency

Financial recovery, consumer proposal, business proposal, personal bankruptcies, services and advice and restructuring, assistance in case of litigation.

To all clients, employees, and others:

Due to the circumstances surrounding the Coronavirus crisis (COVID-19), it is our duty to comply with the measures set out by our various governments, and thus for the benefit of the entire community.


As such, effective today, we are we are implementing the following measures, and more specifically:

  • Our offices will only be accessible to staff members.
  • Only clients with appointments will be admitted.
  • Any non-essential appointment will be postponed until further notice.
  • When possible, appointments should take place via telephone, conference call, video conference or other electronic means.
  • Any employees, clients, or related parties thereto returning from other countries for a period lesser than 14 days or who shows signs and symptoms of Covid-19 will not be able to access our offices.
  • Finally, due to the above circumstances, it is possible that are services be interrupted. We apologize for such inconvenience.

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Authorized Insolvency Trustee (formerly known as Trustee in Bankruptcy) in Ottawa and Gatineau 

Bernier & Associates is supported by a team of chartered professional accountants, licensed insolvency trustees in Ottawa, Gatineau, Montreal and 12 other cities in Quebec and Ontario.


In the event of over-indebtedness, our financial reorganization professionals are at your service. The established integrity of the firm as well as respect and courtesy in client service are our priorities. Our goal is to exceed our clients' expectations, both in the quality of the advice provided and in the efficiency of the work performed.


No matter your personal situation, rest assured that our dynamic team of licensed insolvency trustees in Ottawa will offer you creative solutions that are perfectly adapted to your needs.


At Bernier & Associates, we are committed to being close to our clients and to building a relationship of trust, which we summarize as follows: "people in the service of people".

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Why Use a Licensed Insolvency Trustee?

If you find yourself in a situation of crippling debt, a licensed insolvency trustee is your best ally. 


As the only person in Canada authorized to manage bankruptcy cases and consumer proposals, his mission is to help you restore your financial status.


After reviewing your file, your bankruptcy trustee will recommend the best solution for your particular case. He can potentially help you avoid bankruptcy by suggesting alternative solutions that will allow you to keep some of your assets.

Our services

At Bernier & Associates, we also offer personalized recommendations to reduce your risk of insolvency as soon as you begin to experience difficulties in repaying your debts.

With so many rules governing financial services, it might be difficult to understand everything. Thanks to our varied skills, we can help you set up your debt consolidation file, benefit from the consumer proposal mechanism, or declare personal bankruptcy. Businesses can also use our services for a proposal, commercial bankruptcy or accounting management services.


Did you inherit an insolvent estate? Are you eligible to inherit an insolvent estate? The experienced team of Bernier & Associates analyses all the options available and helps you decide what favours you the most.

Discover our practical advice to analyze your debt situation and contact us in Ottawa, Gatineau, or elsewhere in Quebec or Ontario to discuss your needs. As Licensed Insolvency Trustees (LIT), your financial restructuring is important to us!

Money hand

Rely on Management and accounting professionals

Chartered accountants and insolvency trustees welcome you to our various locations.

SHake Hands

Benefit from a consumer proposal

The consumer proposal helps you to get out of an insolvency situation.


Recovering your finances

When faced with financial difficulties, seek the services of a licensed insolvency trustee

Contact Us

For advice about debt consolidation, bankruptcy and more, contact a bankruptcy trustee in Ottawa or any one of our 15 offices in Ontario and Quebec. 

Have you ever used our services? Leave a review about our financial services firm in Gatineau. We also invite you to visit our FAQ and Blog to learn more about our work.


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