Debt consolidation
A consumer proposal can considerably reduce your debts!
WHY A CONSUMER PROPOSAL RATHER THAN DEBT CONSOLIDATION?
Debt consolidation allows you to consolidate your debts. It's not uncommon for people to opt for debt consolidation and still live with the stress of debt. This solution can be effective insofar as a person is able to repay 100 % of his debts with interest.
The consumer proposalThis allows you to reduce your debts, since the syndic has the power to negotiate with your creditors. creditors a reduction or extension of your payments according to your ability to pay. By opting for the consumer proposal, you make just one payment per month, interest-free.
Return to financial equilibrium at last
Debt consolidation enables you to consolidate your debts by borrowing the total amount due from a financial institution. You then use the amount borrowed to pay off your debts. You then make a single monthly payment to the financial institution that lent you the total amount of your debts. Debt consolidation does not reduce the amount of your debts.
Opinion : It is not uncommon for people to consult us a few months or years after having consolidated their debtsThis is because they are no longer able to make the required monthly payments. Unfortunately, by opting for debt consolidation, these people have taken on even more debt, and often face bankruptcy.
At N. Séguin Syndic, the majority of our clients manage without filing for personal bankruptcy. We have fewer bankruptcies than the average bankruptcy trustee in Quebec. We strive to find solutions that enable our clients to finally regain financial equilibrium.
Advantages of debt consolidation:
- Allows you to make a single monthly payment at an interest rate that is often lower than what you are currently paying.
- Allows you to pay off your debts to your creditors in full
The first meeting is free of charge. It allows us to analyze your financial situation, goals and expectations, and determine the most advantageous solutions for you in the shortest possible time. Book an appointment at one of our offices near you.
Testimonials
Here are our most recent testimonials from satisfied customers:
A big thank you to the Nathalie Séguin team for their support and professionalism. I never felt judged, on the contrary, I felt understood. What's more, in just 3 months I was able to start living normally again and regain control of my life. For the first time in years, I have confidence in the future. Thank you Mrs. Séguin.
If you're having financial problems, don't be like me: don't wait until it's too late! In my case, I had to declare bankruptcy, but if I'd known what Ms. Séguin could do, I wouldn't have needed to declare bankruptcy! Take the time to consult her, you won't regret it.
Of course it's impossible to enjoy going through such an ordeal, but the reality is that with Mrs Séguin the new perspective she offered me helped me to live through this difficult time with dignity and respect. Honestly, I'm not out of the woods yet, but with their help, I think I can get through this!