Looking for a licensed insolvency trustee in Montreal because your debts are becoming hard to repay? Gobeil Groupe Conseil can help you assess your financial situation and understand the solutions available to you.
A free consultation gives you the chance to review your debts, income and priorities before choosing a course of action.
Our Montreal office is located at 5455 Gaspé Avenue, Suite 739. Depending on your needs and the arrangements made with our team, an initial conversation can also take place remotely.
A Licensed Insolvency Trustee (LIT) is a regulated professional in Canada, authorized to administer a consumer proposal or a bankruptcy. They review your financial situation and explain the benefits, limitations and consequences of each option.
Consulting does not mean you will necessarily have to file for bankruptcy.
This step can be helpful if minimum payments take up a large share of your income, if you are borrowing to repay other debts, or if you are receiving notices from creditors.
If you feel you have too much debt, an overall assessment is often more useful than a financing solution chosen in a hurry.
A consumer proposal is a legal procedure administered by a licensed insolvency trustee.
An eligible person can offer their creditors to repay part of their debts, reschedule the payments, or combine these options, depending on the terms chosen.
The proposal must follow the applicable rules and cannot last more than five years.
For a guide devoted to this process and to the resources available in the city, see our article on the consumer proposal in Montreal.
Personal bankruptcy is a procedure provided for under the Bankruptcy and Insolvency Act.
It may be considered when a person can no longer meet their obligations and the other options do not fit their situation.
Its effects on assets, income, certain debts and the credit file must be explained before any decision.
A consultation also looks at possible arrangements with creditors, your actual repayment capacity, and the limits of debt consolidation.
The right choice depends on your debts, budget, assets and the nature of your financial obligations.
The first step is to explain your situation to the Gobeil team.
The assessment can then cover the following:
The goal is to understand your options with no commitment on your part.
If a formal procedure seems appropriate, the trustee explains the steps and implications before you make a decision.
Living in Montreal and looking for help managing your debts? The Gobeil Groupe Conseil team will help you assess your financial situation and find the solutions that fit your needs.
Our office is located at 5455 Gaspé Avenue, Suite 739, Montreal (Quebec) H2T 3B3.
Whether you prefer an in-person meeting, a phone consultation or remote support, our team is available to guide you through the process.
Financial difficulties can escalate quickly when interest, missed payments or collection proceedings pile up.
A consultation helps clarify priorities, weigh the consequences of each option, and build an approach suited to your situation.
You do not need to wait for legal proceedings to begin before asking questions.
Yes. Gobeil offers a free initial consultation to discuss your financial situation and the options available.
Any fees for a formal procedure are explained separately when they apply.
No. You can ask for information as soon as your payments become hard to manage.
Eligibility for a procedure then depends on legal criteria and your personal situation.
Yes. A trustee’s role includes assessing different options, including the consumer proposal.
Bankruptcy is not an automatic consequence of a consultation.
To understand how this solution works, see our guide on the consumer proposal.
Gobeil offers remote consultation options.
The team will explain the process that suits your situation and any steps that may require special formalities.
The office is located at 5455 Gaspé Avenue, Suite 739, Montreal (Quebec) H2T 3B3.
Book an appointment before visiting.
If your debts are keeping you from a workable budget, Gobeil Groupe Conseil can help you understand the solutions available in your situation.
Book a free, confidential and judgment-free consultation.
