Debts and Separation in Quebec: Who Is Responsible?
Debts and Separation: Who Is Responsible for Debts After a Breakup in Quebec? A separation doesn’t make debts disappear, nor the contracts that were signed during the relationship. After a breakup, you need to look at which debts are personal, which are joint, and which obligations come from a loan that both ex-partners co-signed. Who […]
Debt After Vacation: What to Do If Your Credit Cards Are Maxed Out?
Debt After Vacation: What to Do If Your Credit Cards Are Maxed Out? As everyday life resumes after summer vacation, many Quebecers discover that their finances have taken a hit. Credit card balances are higher than expected, and monthly payments become difficult to make. This situation is even more concerning when vacations were financed with […]
Multiple Debts in Quebec: What Are Your Options?
Line of Credit, Personal Loans, and Credit Cards: What to Do When You Have Too Much Debt? Having several debts at the same time doesn’t necessarily mean bankruptcy is inevitable! Many people with multiple debts are simply looking to combine their payments, because they see their budget getting tighter and tighter while the balance doesn’t […]
$30,000 in Debt or More: Your Options in Quebec
I Have $20,000, $30,000, or $50,000 in Debt: What Are My Options in Quebec? Having $20,000 in debt, $30,000 in debt, or even $50,000 doesn’t automatically mean bankruptcy is inevitable. Depending on your income, your repayment capacity, and the type of debts you have, several solutions can be considered (such as debt consolidation and a […]
Credit Card Debt: How to Keep Summer From Making It Worse
Holiday Debt and Credit Cards: How to Keep Summer From Making Your Debt Worse Holidays and summer spending can easily make existing debt worse, especially when they’re financed with credit cards. During the summer, several expenses pile up at once: trips, restaurants, gas, family activities, day camps, unplanned outings, and more. These costs often seem […]
Wage Garnishment in Quebec: How to Stop It
Wage Garnishment in Quebec: What to Do If Your Debts Become Unmanageable? When you’re going through financial difficulties, the possibility of a wage garnishment in Quebec can become a major source of stress. Creditor calls, collection notices, and late payments can create a sense of urgency. Fortunately, there are legal solutions to regain control of […]
Consumer Proposal or Bankruptcy: Duration on Your Credit Report
Consumer Proposal or Bankruptcy: How Long Does It Stay on Your Credit Report? Many people struggling with overwhelming debt are unfamiliar with the consumer proposal or hesitate to contact a trustee to ask about bankruptcy. They believe they will never be able to rebuild their credit. Yet understanding how long each of these two options […]
Consumer Proposal and Spouse: Is Your Partner Affected?
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
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 […]