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When the bills start piling up and you feel like your debts, interest and penalties are growing beyond your ability to pay, you need more than money to get out of debt. You need a plan to help you manage your finances, restore your credit and keep you out of debt again. In cases like this, it is better to seek professional help. The insolvency advisors at Bernier & Associates have the required knowledge and experience to assist you. Share your financial status and needs. Based on this, our team will offer you personalized solutions for all your concerns.

Schedule an appointment with insolvency advisors in Ottawa, Gatineau, Rouyn-Noranda, Hawkesbury or one of our other 15 offices.

The Objectives of Your Insolvency Advisor

At Bernier & Associates, we offer consulting services that will help you:

  • Create a reasonable and sustainable budget that you can stick to

  • Understand how to improve your credit rating by paying off your debts and staying out of debt

  • Learn how to use credit to avoid further financial difficulties

  • Keep you out of debt

Meeting an insolvency advisor for the first time and not sure what to expect? Don't worry! Read this blog to get an answer to your questions.

Let Us Evaluate Your Finances

The first step in our credit counselling process is to assess the current state of your finances. With our team of experienced and empathetic insolvency advisors, you'll understand the extent of your debts and what needs to be done to pay them off. Once this assessment is complete, we'll help you understand your options, from a consumer proposal to bankruptcy.

The best advice we can give to a person 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 the licensed insolvency trustees (formerly known as bankruptcy trustees since the 1950s) at Bernier & Associates.

Take the time to learn about the implications of different debt management strategies, and choose one that will work in the short and long term.

Creating a Debt Management Plan

Regardless of which solution you move forward with, our credit counselling team will work with you to create a debt management plan that will allow you to pay off your loans gradually. In the event that no equity exists in the primary residence, it can be retained in bankruptcy. As part of our credit counselling services, we will also help you determine a budget that will allow you to pay for your basic needs, emergencies, in addition to making your debt payments.

Financial Counselling and Ongoing Support in Gatineau and Ottawa

Every financial situation is unique - but debt rarely becomes a problem overnight. Debt accumulates over time, as do the financial habits that contribute to it. Having helped many clients over the years, we know that there is no magic bullet to restore financial health. Don't trust anyone who claims to be able to restore your credit - only you can do it! We've learned that debt solutions work best when our clients receive ongoing support to develop a financial strategy and self-discipline they are comfortable with. That's why our team of credit counsellors will work with you and guide you through your financial recovery.

Bernier & Associates is committed to maintaining complete transparency with our clients. Our contract with you will clearly specify the services and fees related to our credit consulting services. There will be no surprises, only the peace of mind of finally having a plan to guide you to financial freedom. Take the first step and call us today!

Bernier & Associates maintains a FAQ and a blog to inform you about the financial sector and give you practical tips.

Entrust Us with Your Insolvent Estate

We can help and advise you if you inherit an insolvent estate.

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