In the event of insolvency, use the services of Bernier & Associates: our agency will handle your consumer proposal in Gatineau or in our other offices. Our establishment will help you overcome your over-indebtedness.
A consumer proposal is a procedure under the Bankruptcy and Insolvency Act by which you make an offer to your creditors to settle your debts. The consumer proposal applies in the following cases:
In the event that the consumer proposal is rejected, bankruptcy is not automatic. The process is simplified and there is no meeting of creditors unless requested. The financial situation is settled while avoiding bankruptcy.
In a consumer proposal, you keep your assets: home, car, or RRSP - Registered Retirement Savings Plan. Legal proceedings or wage garnishments are suspended and your employer cannot terminate your employment. The reference to the credit bureau is deleted 3 years after the proposal has been fully implemented.
Feel free to consult all of Bernier & Associates' services regarding credit collection. You can contact an advisor and meet him/her directly in agencies in the Outaouais, Abitibi, Montréal, the Laurentians, Ottawa and around Ontario.