Personal bankruptcy
Bankruptcy is a legal solution that can, in many cases, wipe out your debts: credit cards, car loans or mortgages, tax debts, and more.
As soon as you file for bankruptcy, your creditors no longer have the right to claim money from you or seize your assets: you’re protected.
The process can be set up quickly, sometimes in just one day, and allows you to stop payments on your debts immediately.
In the case of a first bankruptcy, the process generally takes 9 months. Once completed, your dischargeable debts are erased and you can leave without the burden of debt.
At BRESSE, you’ll be accompanied every step of the way by a dedicated professional like Charles, Georges, Karina, Émile or Martin. Contact us free of charge and in complete confidentiality to discuss your situation.
Is personal bankruptcy
right for you?
Discuss your situation in complete confidence. Our Bresse advisors are there to support you, answer your questions and help you explore your options.
Advantages of bankruptcy
Protects you against seizures and insistent approaches by your creditors.
Helps you regain peace of mind and get back on a sound financial footing.
Disadvantages of bankruptcy
Your credit file will generally be affected for 7 years.
Some assets may need to be handed over to your property manager.
Journeys similar to yours
What you're going through is far from unique. Thousands of people have been in this situation before. You deserve a second chance.
Claude’s retirement
“From my very first meeting, Charles helped me understand my options and put my situation into perspective. I quickly realized that by filing for personal bankruptcy, I could eliminate all my debts while keeping my car and my belongings. So I chose this solution. From day one, I felt relieved and started sleeping again. In just nine months, I was discharged from all my debts.”
Stéphane’s health problems
“I have only one thing to say: thank you! You guided me toward the most effective solution to help me get through this difficult period. You took the time to help me prepare to speak with my creditors — and at no cost. Today, my situation is back to what it was before my health issues. Thank you for your honesty, your transparency, and the excellent advice you gave me.”
Simon’s divorce
“I had gotten to the point of wondering whether I was still able to properly take care of my son, I was so deep in debt… My whole world was collapsing. A friend told me about BRESSE, so I decided to meet with one of their advisors. An immense weight was lifted off my shoulders from the very first meeting.”
Sophie’s taxes
“Until my first meeting with my advisor at BRESSE, I thought I would never get out of my situation. Martin clearly explained all my options and took the time to answer my questions. The decision was very easy to make. I chose the consumer proposal. Throughout the entire process, I felt well supported. Thank you to the whole team.”
Emilie and Marc’s progressive indebtedness
“We had gotten to the point of taking cash advances on one card just to make the minimum payment on another. We didn’t even dare answer the phone anymore because we no longer knew what to say to our creditors. From our very first meeting, the pressure lifted: our advisor helped us regain control of our finances. We can finally breathe again! Thank you to the professionals at BRESSE.”
Eric’s job loss
“Thank you to the BRESSE team for taking the time to carefully analyze our situation. The solution proposed by our advisor allowed us to avoid bankruptcy and keep our home as well as our car.”
