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Pierre Roy - Licensed Insolvency Trustee

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Personal Bankruptcy

Pierre Roy & Associés

Voluntary Deposit: Is There A Better Option?

By Pierre Roy & Associés / March 14 2023
voluntary deposit

Debts can be a major financial burden that affects many individuals and families. A voluntary deposit is an option for those who are struggling to manage their debts. Below, you’ll find everything you need to know about voluntary deposits, their advantages and disadvantages, how they are calculated, and whether there are better debt-relief options available.

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Pierre Roy & Associés

The Ins and Outs of Bankruptcy

By Pierre Roy & Associés / February 24 2023
bankruptcy

Dealing with financial problems can be a challenging and stressful experience. If you are struggling to pay your bills, it may be time to consider your options. One potential option for people in financial distress is bankruptcy.

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Pierre Roy & Associés

How Insolvency Affects Your Credit

By Pierre Roy & Associés / February 24 2023
insolvency

In Quebec, insolvency is a legal process that allows individuals and businesses to eliminate their debts and start fresh. However, this process has a significant impact on your credit score and credit history. Understanding how insolvency affects your credit score and credit history is crucial if you are considering this option.

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Pierre Roy & Associés

Exploring Alternatives to Commercial Bankruptcy

By Pierre Roy & Associés / February 8 2023
commercial bankruptcy

Bankruptcy is a tough reality for many businesses. It can seem like the only way to address debt and other financial issues, but there are alternatives to consider. With careful planning and a thorough understanding of the available options, it is possible to explore alternatives to commercial bankruptcy and create a sound financial future for your business.

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Pierre Roy & Associés

Everything You Need to Know Before Filing for Commercial Bankruptcy

By Pierre Roy & Associés / January 31 2023
commercial bankruptcy

Filing for commercial bankruptcy is a difficult decision to make and one that should not be taken lightly. It can have long-term effects on your business, finances, and credit score, so it’s important to understand the process before making a decision.

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Pierre Roy & Associés

Debt Settlement: What Percentage Should You Offer?

By Pierre Roy & Associés / August 4 2022
debt settlement

A debt settlement is a negotiation between you and your creditors that will allow you to pay off only a portion of your debt. Although this process may seem simple enough at face value, there are some intricacies that go along with it. Here’s everything you need to know. 

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Pierre Roy & Associés

Can my Debt Discharge be Challenged?

By Pierre Roy & Associés / January 21 2022

You dealt with the intense anxiety of having to pay off your debts for a very long time, and decided to take all of the necessary steps to get rid of them. After the struggle of paying back your debts on time and remaining frugal for so long, you finally succeeded and paid everything off and are free of your debts. You think it’s high time you receive your debt discharge — except it’s being challenged. So what happens next? Read on to find the reasons as to why your debt discharge is being challenged and the steps you need to take in order to finally be free. 

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Pierre Roy & Associés

Getting a Loan or Credit After Bankruptcy, Is It Possible?

By Pierre Roy & Associés / January 27 2021

Making the important decision of filing for bankruptcy isn’t as daunting a decision as one may think. If you would like to get a loan, or any other credit, the most important thing to do is to re-establish your credit worthiness. Many may wonder if getting a loan is even possible. Below, you will find all of the information you need about what happens after making this pivotal decision.

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Jonathan Roy

How to Declare Bankruptcy: The Bankruptcy Process

By Jonathan Roy / October 23 2013
Comment faire faillite ?

If you are reading this article, it’s probably because you’re tired of being held by the throat by your debts. Are you looking to make a fresh start that will allow you to rebuild on solid grounds, without your creditors harassing you constantly?

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Jonathan Roy

Personal Bankruptcy and Student Loans

By Jonathan Roy / September 13 2013

You have student loans but you are no longer able to pay them? Thinking about personal bankruptcy to settle your debts? Be careful, as it could be that your student loans are not dischargeable!

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  • Who Qualifies for a Consumer Proposal?
  • Different Debt Relief Options
  • The Consequences of Unpaid Taxes
  • How a Business Proposal Can Help You Get Your Business Out of Debt
  • Voluntary Deposit: Is There A Better Option?

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