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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!

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.


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 

Our firm is supported by a team of chartered professional accountants, licensed insolvency trustees in Ottawa, Gatineau, Montreal and 12 other cities in Quebec and Ontario. Our financial reorganization professionals are at your disposal.

The established integrity of the firm and the respect and courtesy of client service are our priorities.

No matter your personal situation, rest assured that our dynamic team will offer creative solutions adapted to your personal situation.
Our objective is to exceed our clients' expectations, both in the quality of advice provided and in the efficiency of the work performed.

Bernier & Associates is very committed to building and maintaining a relationship of trust, which we summarize as follows: "people in the service of people".

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Our services

If you’re concerned about your debts or considering declaring bankruptcy, Bernier & Associates can help. We offer consultation services to review your financial situation, outline your debt management options and help you avoid insolvency.

Additionally, our licensed insolvency trustees are trained to assist with debt consolidation, filing a consumer proposal and declaring bankruptcy.


For businesses, we administer debt restructuring proposals, commercial bankruptcies and accounting procedures.

Contact us today to learn more about how best to manage your debts.

Money hand

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

Our team of advisors can teach you how to create a budget, responsibly manage credit and regain financial stability.

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

Have you already 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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Bernier & Associates

226, rue Papineau





Sunday Closed

Monday 08:00 AM - 05:00 PM

Tuesday 08:00 AM - 05:00 PM

Wednesday 08:00 AM - 05:00 PM

Thursday 08:00 AM - 05:00 PM

Friday 08:00 AM - 05:00 PM

Saturday Closed


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