Pierre Roy & Associés - Bankruptcy Trustee serving Montreal, Laval, Longueuil, Ile-Perrot, Vaudreuil-Dorion, Valleyfield, Pierrefonds, Repentigny, Lavaltrie, Pointe-Aux-Trembles and Terrebonne.

Pierre Roy & Associés

- Insolvency advisors / Bankruptcy Trustees -

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Life after debt!

» The Consumer Proposal: an alternative to bankruptcy

You have serious financial difficulties? Or maybe it is one of your acquaintances? In some cases, there is an alternative to filing for bankruptcy: it is called the "Consumer Proposal".

This is a process defined in the Bankruptcy and Insolvency Act, which allows you, through a trustee in bankruptcy, to present to your creditors a proposal in view of reducing your monthly instalments, adjusted according to you ability to pay, while enabling you to keep your property.

Briefly, in most cases, the main benefits of a proposal are:


In Quebec, even if you don’t file for bankruptcy, only a trustee in bankruptcy can intervene on your behalf as proposal administrator.

Don’t delay. Contact us right now to set up a free consultation in order to determine if you are eligible to make a proposal. This will finally give you peace of mind!