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Consumer Proposal

Read our articles and real-life stories to learn lots of useful information about consumer proposals and what they involve.

Un héritage anticipé leur permet d’éviter la faillite

Jean-Benoît et Pascale ont deux enfants et sont locataires. Même s’ils travaillent tous les deux, ils ont du mal à équilibrer leur budget et ont peu à peu accumulé...

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Quand la maison familiale devient une prison

En couple depuis un an, Derek et Charlotte ont décidé de s’acheter une maison. Au début, tout s’est bien déroulé, mais malheureusement, leur relation a commencé à battre de...

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Self-Employed Worker

Other than the lack of work, arrears in income and sales taxes are, in our experience, a self-employed person’s greatest risk.

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Retirement

People spend less money in their retirement years, but they also earn less. Ideally, you should reach retirement with as little debt as possible.

  

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Income Loss

With a good salary and overtime, Martin’s lifestyle was very comfortable until his employer revised his overtime policy.

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Business Owners

In business, it is important to be prepared for setbacks. A company can face financial hardships because of a bad receivable, important losses in the execution of a contract, an economic downturn or a structural change in the industry. There are laws to allow such companies to restructure themselves and solutions can be within reach. Here is an example.

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Debt Accumulation

They say that time heals all wounds. Unfortunately, this is not true when it comes to personal finances. Sometimes, everything can come crashing down in a matter of months.

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Des travaux au chalet minent ses finances

Fonctionnaire municipal, Pierre-André, 56 ans, envisage de prendre sa retraite dans environ 5 ans. En prévision de cette nouvelle étape de sa vie, il a acheté une terre à...

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Des parents de jumeaux devront-ils faire faillite?

Parents d’une fillette de 2 ans, Charles et Magalie viennent d’apprendre que la cigogne va leur apporter… des jumeaux! Avec leurs dettes d’études et de cartes de crédit en...

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