Consumer Proposal and Spouse: Is Your Partner Affected? | Gobeil Syndic
Consumer Proposal and Spouse: Is Your Partner Affected? When someone considers filing a consumer proposal, one concern comes up again and again: will it have consequences for their spouse or partner? Many people hesitate to even consult a Licensed Insolvency Trustee out of fear of harming their relationship, damaging the family’s credit file, or disrupting […]
Debt Collection Agency in Quebec: How to Stop the Calls | Gobeil Syndic
Debt Collection Agency in Quebec: What Are Your Rights and How to Stop the Calls? Unexpected collection calls can be stressful when you already feel anxious about debt. But in Quebec, rules are in place to prevent these calls from becoming too intrusive. In this article, we explain your rights when dealing with collection agencies, […]
I have too much debt: what to do when you’re overwhelmed in Quebec?
I Have Too Much Debt: What to Do When You Can’t Cope Anymore in Quebec? How do you get out of debt? It’s a question thousands of Quebecers are asking themselves in 2026. Whether your difficulties stem from credit cards, personal loans, or taxes owed to the Canada Revenue Agency or Revenu Québec, there are […]
Can you lose your house in bankruptcy or a consumer proposal in Quebec?
Bankruptcy or Consumer Proposal: Can you lose your house in Quebec? When facing financial difficulties, one fear almost always returns for homeowners: losing their house. This worry pushes many people to postpone consulting with a Licensed Insolvency Trustee, sometimes to the detriment of their financial situation. However, in Quebec, bankruptcy and a consumer proposal […]
Unable to Pay Your Taxes in Quebec: What Solutions? | Gobeil Syndic
Unable to Pay Your Taxes in Quebec: What Solutions Exist? Every year, a large number of Quebecers file their income tax returns and discover an unpleasant surprise: a significant tax balance to pay. In some cases, this amount can reach several thousand dollars. For many people, it then becomes impossible to pay this outstanding balance […]
Tax Debts and Consumer Proposal | Gobeil Syndic
Tax Debts in Quebec:Can the CRA and Revenu Québec be Included in a Consumer Proposal? In the majority of situations, tax debts can be included in a consumer proposal, including those owed to the Canada Revenue Agency (CRA) and Revenu Québec. This is often a surprise. Many people believe that tax debts are “untouchable.” However, the […]
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, […]