An IAS is a professional authorized by the federal government to administer insolvency proceedings, such as bankruptcies or consumer proposals. BRESSE provides non-judgmental, respectful and humane support.
No. Consulting a trustee doesn't mean you have to declare bankruptcy. It's a step toward assessing your situation and knowing all your options: proposal, consolidation, informal agreement or other.
You won't lose all your assets if you declare bankruptcy, since the law protects some of them, such as your RRSPs and, in some cases, your vehicle. Our trustees will help you understand what you keep and what could be affected.
Costs vary according to your situation. At BRESSE, the first meeting is free. We'll explain the costs associated with each solution.
An initial bankruptcy can last as little as 9 months, depending on your income and your collaboration. We'll guide you every step of the way.
Yes, but temporarily. The bankruptcy or proposal will have an impact on your file, but it also allows you to start afresh and rebuild your credit.
In some cases, yes. Our trustees can analyze your file to verify whether these debts are admissible under the law.
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