Licensed Insolvency Trustee

Free Yourself
From Financial Problems

As Licensed Insolvency Trustees, we can help you reduce or eliminate your debts today by phone, videoconference or in one of our 39 offices in Quebec.

Learn more about our debt solutions
or call us right now at1 (877) 796-3427

Looking For Solutions to Debt and Financial Problems?

If you’re looking for ways to regain control over your personal finances, you’ve come to the right place.

As Licensed Insolvency Trustees, Pierre Roy & Associés has been helping people like you for more than30 years.

We take the time to listen to you in order to understand both your financial situation and your personal history.

Together we make the list of the debts you want toeliminateas well as the assets you want toprotect.

Our goal is to allow you toa fresh startwithout the burden of debt and the stress that goes with it.

What Is the First Step?

Make an appointment with us for a free consultation. This consultation is confidential and without obligation. It can even be done over the phone or by videoconference if you prefer.

Get a Free Evaluation Today!

Phone and Videoconference

Appointments by telephone and videoconference available

Phone and Videoconference

Our Solutions to Debt Problems

Bankruptcy is not the only solution! We will guide you towards the best solution according toyoursituation.

Budget Reorganization

For many people with financial difficulties it is still possible to rectify their financial situation without having recourse to the Bankruptcy & Insolvency Act.

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Debt Consolidation

Debt consolidation consists in grouping all debts under one loan from a bank or other financial institution.

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Negotiation With Your Creditors

Sometimes, in certain circumstances it may be possible to negotiate yourself a new agreement with your creditors.

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Voluntary Deposit

In Quebec, the voluntary deposit is a measure under the Code of Civil Procedure which allows you to pay your debts in handing the court a determined portion of your income, fixed by law. The court will distribute this amount to all your creditors, in proportion to their debt.

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Consumer Proposal

If you want to solve your financial problems while avoiding bankruptcy, consumer proposal might be for you. It is a legal process that is used by more and more Canadians struggling with financial problems.

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Personal Bankruptcy

When you have exhausted your options and you no longer see the light at the end of the tunnel, bankruptcy is ideal for a fresh start at a lower cost and in shortest time.

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Some Numbers…

We have been guiding people towards better financial health for quite some time


Years in business

44685 +

People helped


Offices in Quebec

How Can a Licensed Insolvency Trustee Help You?

A Licensed Insolvency Trustee (LIT) is your best ally with the mission to help you regain financial health.

A Licensed Insolvency Trustee is first and foremost a professional holding a license from the government and whose first aim is to help you adjust and regulate your financial situation, so that you can take a fresh start.

Contrary to what many think, the licensed insolvency trustee is able to help you before you go bankrupt.Indeed, he will take time to review your situation and can explain the solutions that present themselves to you. Do not be surprised if he suggests an alternative tobankruptcy. Depending on your situation, another solution might be possible. Among these alternatives, there is theconsumer proposalwhich allows you tokeep your car and your home.

In Quebec and Canada, the licensed insolvency trustee is the only person authorized to manage a bankruptcy or a consumer proposal. He must meet a strict code of ethics and his work is subject to frequent inspections. The fees of the licensed insolvency trustee are determined by the law in order to protect you.

What We’re About: Listening, Helping & Supporting You

Our warm and friendly team will work with you to quickly restore your situation.



You can meet without fear of being judged. Our professionals will listen to you to understand your situation.



We will work together to restore your financial situation quickly. We have the solutions for you to make a fresh start.



We will be there for you every step of the process. We will take the time to explain the different steps and we will answer all your questions.