Debt Consolidation

Combine your loans with debt consolidation in Gatineau and Ottawa

Bernier & Associates can assist you with debt consolidation in Gatineau and Ottawa. In the event of overdue or excessive monthly payments, this simplified loan formula collects your outstanding debt, reduces your payments and helps you regain financial balance.

What is debt consolidation?

This is a loan from a single financial institution. It allows you to combine several pending arrears from credit cards, consumer credit lines or late payments. The advantage of debt consolidation is that it has a single payment term and a loan with interest, all at a substantially lower rate.

The term of a debt consolidation loan is usually determined by the creditor. The institution responsible for the full payment of your initial outstanding debt may request the temporary closure of credit card accounts. This is essential to avoid future over-indebtedness.

Are all debts included in a consolidation?

There are certain exceptions, such as a secured loan for which the creditor holds a movable or immovable mortgage (car loan - mortgage on the house). However, a financial institution may exclude certain debts. Generally, it will consolidate loans and credit cards that relate to consumer debt.

How to qualify for debt consolidation

  • Have a good credit history
  • Hold a job
  • Have enough income to make payments

For more information about debt consolidation and our other services, please do not hesitate to contact the office nearest you. Bernier & Associates is present in the Outaouais, Abitibi, Montreal, the Laurentians, Ottawa and its surroundings in Ontario. We have 15 offices in Quebec and Ontario.

Benefit from a consumer proposal

A consumer proposal helps you get out of an insolvency situation.

Get out of debt!



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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