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Insolvency advisors in Ottawa and Gatineau

Insolvency is a state of financial distress in which you’re unable to pay the money you owe on time. If your credit cards are maxed out or your debts outweigh your assets, you might be insolvent. Fortunately, the team at Bernier & Associates can help. Contact us today to speak with a licensed insolvency trustee at one of our 15 offices in Ottawa, Gatineau, Rouyn-Noranda, Hawkesbury or elsewhere in Ontario and Quebec.

The objectives of your insolvency advisor

At Bernier & Associates, we offer consulting services to help individuals and businesses make informed decisions about how to deal with their debt. Our insolvency trustees are trained and licensed to:

  • Assess your financial situation and determine whether you’re insolvent
  • Provide information and advice about the debt management options available to you

  • Help you develop a debt management plan to gradually pay off your loans

  • Teach you how to rebuild your credit and responsibly manage credit in the future

  • Work with you to create a realistic budget and prevent further debt


If you need to file for bankruptcy or a consumer proposal, a licensed insolvency trustee will guide you through the process and ensure your rights are respected.

Ongoing financial support

Debt problems rarely emerge overnight, and bad financial habits can keep you trapped. At Bernier & Associates, we have learned that debt management solutions work best when our clients receive continued counselling about how to set financial goals, stick to a budget and maintain good credit. Our experienced advisors are available to offer comprehensive services to guide you through your financial recovery.

Credit counsellors you can count on

At Bernier & Associates, we guarantee our clients complete transparency. Our contracts fully outline our responsibilities to you and clearly note the fees for our insolvency and credit advisory services. Contact us today to take your first step toward financial freedom.



Tips to manage your money


Consult our FAQ page and blog for more information about financial restructuring.

Our accounting services

Entrust your accounting management to Bernier & Associates and achieve your objectives!

We carry out your procedures



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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