Free yourself from your debts

At the Poupart Bankruptcy Trustee , we provide the opportunity to get a kind of debt consolidation loan, which is usually a loan from a financial institution that allows you to repay many or all of your creditors through a single settlement, but that we offer rather live a consumer proposal.

You will be able to repay your debts at your own pace!

You will be able to repay your debts at your own pace!


In addition to allowing you to consolidate your debts into one regular payment, we help you avoid the hassle of managing multiple credit card bills each month. Consolidation of all debts via the consumer proposal can allow you to reduce your debts by up to 70%, making it easier to plan your repayments.

Did you know that not settling your credit card debts according to their criteria could hurt your credit score and add more interest to your monthly payment? With a consumer proposal, your interest rate is fixed at 0%. You will know exactly what your monthly payments are and how many of them you will have to do in order to repay all of your debts quickly.

But now you’re wondering: Is debt consolidation the best option for me? It is the best option for you, if you have unpaid debts at high interest rates.

But now you

At Poupart Syndic, during a consultation, we check what your monthly payment would be approximately after negotiating with your creditors. How much less would your payment be once all your debts are consolidated and negotiated? Does this amount fit in your budget quite easily? We also do the math to determine how long it would take to pay them all.

We then compare all your details and we help you decide if debt consolidation via a consumer proposal is the best option for you. If so, we help you choose the best consolidation plan available for you.

Voluntary deposit is another solution that is provided for in the Code of Civil Procedure. It allows you to repay your debts by voluntarily depositing a portion of your income at the office of the Court of Quebec. The office then pays out the money relatively among all your creditors, depending on the amount owed to each creditor. By performing voluntary deposits, you can avoid asking yourself how to go bankrupt , and you certainly can not be sued by your creditors. You are also protected against the seizure of certain property (for example, your salary).

In addition, by registering for voluntary deposit, you pay only the fixed interest rate or the legal rate of 5%, whichever is lower, regardless of the creditor involved. Although this amount can not be less than the percentage of your income that might otherwise be seized to pay off your debts, the amount includes the addition of all your income, plus income received in cash, in kind or in services. However, we exclude certain amounts from this calculation.