Tax Debts and Consumer Proposal | Gobeil Syndic
Dettes d’impôt au Québec : peut-on inclure l’ARC et Revenu Québec dans une proposition de consommateur ? Dans la majorité des situations, les dettes d’impôt peuvent être incluses dans une proposition de consommateur, y compris celles dues à l’Agence du revenu du Canada et à Revenu Québec. C’est souvent une surprise. Beaucoup de gens pensent […]
Tax Refunds, Debts, and Consumer Proposals | GOBEIL SYNDIC
Tax Refunds and Debt: What Happens if You File a Consumer Proposal? Tax season can be particularly stressful, especially if you are in debt or considering a consumer proposal. Why Does Tax Season Worry People in Debt? When you are in debt, tax time can become a real headache. There are several reasons why anxiety […]
Consumer Proposal in Montreal | Gobeil Syndic
How to Get Out of Debt in Montreal? A Practical Guide Accumulating debt can happen faster than one might think. Costly unforeseen events, job loss, illness, or a separation… all of these can cause the balance on your credit card or line of credit to keep climbing. If you recognize yourself in this situation, know […]
Credit Cards and Debt: How to Avoid the Financial Spiral | Gobeil Syndic
Credit Cards and Debt: How to Avoid the Financial Spiral? According to the most recent data, debt in Quebec continues to rise among people of all ages, and a large portion of this debt comes directly from credit cards. While this financial tool offers some flexibility, it can also become a major source of stress […]
Licensed Insolvency Trustee Quebec | Role and Solutions Canada
What Is a Licensed Insolvency Trustee in Quebec (and Canada)? When debts accumulate and it becomes difficult, if not impossible, to repay everything (or even make the requested monthly payments), it is natural to look for concrete solutions. In Quebec and across Canada, the person best placed to guide you is the Licensed Insolvency Trustee, […]
Back-to-School and Debt: How to Regain Control Before Black Friday? | Gobeil Syndic
Back-to-School and Debt: How to Regain Control Before Black Friday? Back-to-school season marks a time of renewal, but it is also a peak spending period that can quickly unbalance an already fragile family budget. But how can you avoid back-to-school debt in Quebec? Between supplies, clothing, extracurricular activities, and the rising cost of living, many […]
Debt: How to Avoid Bankruptcy | Gobeil Syndic
I have too much debt: what to do before it’s too late? Over-indebtedness in Quebec is becoming increasingly common. The rising cost of living, high interest rates, job loss, or a separation can cause debts to pile up in just a few months. If you recognize yourself in this situation, do not be discouraged! Solutions […]
How Long Does It Take to Pay Off Debt in Quebec? | Gobeil Syndic
How long does it take to pay off debt in Quebec? When living with high credit card debt, personal loans, or lines of credit, it is natural to want to know how long it will take to pay them off. The answer, however, depends on several factors: the amount of debt, income, the level of […]
Overwhelmed by Debt? Discover Legal Solutions to Avoid Bankruptcy in Quebec | Gobeil Syndic
Overwhelmed by Debt? Legal Solutions to Avoid Bankruptcy in Quebec Feeling overwhelmed by debt is more common than one might think. In Quebec, thousands of people experience a difficult financial situation every year without necessarily having to file for bankruptcy. The good news: the Bankruptcy and Insolvency Act provides several legal mechanisms to regain control […]
Your Rights Against Debt Collection Agencies in Quebec | Gobeil Syndic
Your Rights Against Debt Collection Agencies in Quebec (Complete Guide 2026) When a debt collection agency starts harassing you by phone, mail, or email, the situation can quickly become stressful. The good news is that in our province, your rights are very well protected. Agents cannot call at any time, they cannot threaten you, and […]