Personal bankruptcy

An effective solution for quickly restoring your financial balance.

GET BACK ON YOUR FEET, WITHOUT LOSING ALL YOUR ASSETS!

Even though the concept of personal bankruptcy is to eliminate your debts by handing over your seizable property to your creditors or their equivalent in value through the Licensed Insolvency Trustee, there are solutions to avoid losing everything.

There are ways to avoid losing your home, your car or other property that does not have a pledge or charge against it even if you opt for personal bankruptcy!

To protect your property from a bankruptcy, we can help you by means of an asset purchase agreement, among other things.

MAKE AN APPOINTMENT

For a free consultation

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How will N. Séguin inc. help you?

At N. Séguin Inc, our goal is to reduce or erase your debts by causing the least possible upset to you and your loved ones. Our goal is to allow you to quickly return to a normal lifewithout the burden of debts and harassment from creditors.

Our approach is different. Our customers feel respected and confident because we take the time to evaluate everyone's needs and expectations, not just their financial situation.

If you answer yes to most of the questions below, it means that personal bankruptcy may be a good solution for you.

Otherwise, there are other options. You can also take our debt ratio test to get to know your current situation.

  • Are you unable to manage a large number of debts?
  • Are you unable to pay your regular monthly payments?
  • Are your credit cards maxed out and, if so, do you have trouble paying more than the minimum amount required?
  • Are some of your payments late?
  • Are your creditors calling you and asking to be paid?

Personal bankruptcy is not your only solution.

Stop living with all this stress and come meet our specialists who will help you make the right choice. The meeting is obligation free and will give you all the possible solutions, in addition to the advantages and disadvantages of each one of them. You can then take the time to think about which is the most beneficial solution for you.

To learn about other solutions to get you quickly out of debt or to take action now, make an appointment at one of our offices in Montreal, Brossard, West Island, Longueuil or Laval.

BENEFITS OF PERSONAL BANKRUPTCY:

  • Stop or prevent the seizure of your salary
  • End or avoid threats and legal proceedings against you
  • Free yourself from all or most of your debts
  • Stop interest payments
  • Give yourself a fresh start
  • Protect your property by negotiating an agreement to purchase your property that does not have a hypothec, pledge or charge against it (car, home, RRSPs, inheritance)
Eligibility criteria

TWO CRITERIA ALLOW YOU TO BENEFIT FROM THE ADVANTAGES OF A BANKRUPTCY:

  • The amount of your debt is greater than or equal to $1,000.
  • You are unable to make your payments owing or your debts exceed the value of your assets.

COME MEET US AND RESTORE YOUR CONFIDENCE SO YOU CAN FACE YOUR FINANCIAL DIFFICULTIES.

From the first free consultation, we will precisely analyze your situation, your monthly budget (outlays, income), your assets, as well as the nature and value of your debts. We will explain the bankruptcy process as well as the different options available to you.

Testimonials

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.

Lucie

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.

Pierre

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!

Anonymous