Debt consolidation

A consumer proposal may decrease your debts by up to 80%!


Debt consolidation It's not unusual to see people opt for debt consolidation and continue to experience the stress of indebtedness. This solution can be effective because it allows an individual to repay 100% of his or her debts with interest.

The consumer proposalon the other hand, allows you to reduce your debts since the trustee has the power to negotiate a reduction or extension of your payments with your creditors, according to your payment ability. You only have one single payment per month without interest.


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Live without the burden of debt

Debt consolidation allows you to consolidate your debts by borrowing the total amount owing from a financial institution. You use the borrowed amount to pay your debts. Afterwards, you make one payment per month to the financial institution concerned. Debt consolidation does not reduce the amount of your debts.

Important information: People often consult us a few months or years after having consolidated their debtsbecause they can no longer make the required monthly payment. Unfortunately, these people get into even more debt and bankruptcy often awaits them.

At N. Séguin Inc, Licensed Insolvency Trustee, the majority of our customers pay off their debts without going bankrupt. Our clients have 23% fewer bankruptcies than the average for Licensed Insolvency Trustee in Quebec. We strive to find solutions that allow you to live without the burden of debt.

Benefits of debt consolidation:

  • Allows you to make one payment per month usually at a lower interest rate than what you are currently paying.
  • Allows you to repay all of your debts to your creditors in full.

The first meeting is free. It allows us to analyze your financial situation, your goals and expectations and to quickly determine the most advantageous solutions for you. Make an appointment at one of our offices near you.


Here are our most recent testimonials from satisfied customers:

A big thank you to Nathalie Séguin and her team for their support and professionalism. I did not feel judged at any time. On the contrary, I felt understood and, in only three months, I was able to start living a normal life again and regain control of my life. For the first time in years, I have confidence in the future. Thank you, Ms. Séguin.


If you have financial problems, don't do what I did. Don't wait until it's too late! In my case, I had to declare bankruptcy. However, if I had known what Ms. Séguin could do, I could have avoided it! Take the time to have a consultation with her, you will not regret it.


Of course, it's impossible to enjoy going through such an ordeal, but the reality is that the new perspective that Ms. Séguin gave me helped me to get through this difficult time with dignity and respect. Honestly, I'm still not out of the woods, but, with her help, I now believe that I get out of debt!