When bills start piling up and you feel that your debts, interest and penalties are increasing beyond your ability to pay, you need more than money to get by. You need a plan to help you manage your finances, restore your credit and keep you out of new debt. Make an appointment with one of our insolvency advisors in Gatineau, East Ottawa, Rouyn-Noranda, Hawkesbury or another of our 15 offices.
At Bernier & Associates, we offer consulting services that will help you:
The first step in our credit counselling process is to assess the current state of your finances. Thanks to our team of experienced and empathetic advisors, you will understand the extent of your debts and what it takes to repay them. Once this assessment is complete, we will help you understand your options, from consumer proposal to bankruptcy.
The best advice we can give to someone who is overwhelmed by debt is: don't make hasty decisions. Discuss your options with people who have the skills and experience to answer all your questions honestly – your accountant, a lawyer familiar with insolvency regulations or Bernier & Associates' licensed insolvency trustees.
Take the time to understand the consequences of different debt management strategies and choose one that will work in both the short and long term.
Regardless of the solution you choose, our team of credit advisors will work with you to create a debt management plan that will allow you to gradually repay your loans. In the event that there is no equity in the principal residence, it may be retained in the event of bankruptcy. As part of our consulting services, we will also help you determine a budget that will allow you to pay for your basic needs and emergencies, in addition to making your debt payments.
Each financial situation is unique but it is rare for a debt to become problematic overnight. Debt accumulates over time, as do the financial habits that contribute to its increase. Having helped many clients over the years, we know that there is no magic solution to getting back into financial health. Don't believe anyone who claims they can restore your credit – only you can do it! We have learned that debt solutions work best when our clients receive ongoing support to develop a financial strategy and the self-discipline with which they are comfortable. That's why our team of credit counsellors will guide you through your financial recovery.
Bernier & Associates is committed to maintaining total transparency with its clients. Our contract with you will clearly specify the services and fees related to our credit advisory services. You will not have any surprises, only the peace of mind of finally having a plan to guide you towards financial freedom. Take the first step and call us today!