Sophie’s taxes

"Until my first meeting with my BRESSE advisor, I thought I'd never make it. Martin clearly explained all my options and took the time to answer my questions. My decision was very easy. I opted for the consumer proposal. Throughout the process, I felt well supported. Thanks to the whole team. Sophie

The situation

Sophie runs a family daycare. She works hard to look after the children in her care. Having never received any training in accounting or management, she transferred this task to someone recommended by a friend.

For years, his tax liability remained modest, until a Canada Revenue Agency inspector decided to review his returns for the past three years. He identified irregularities in his accounting. The result: a hefty tax bill, amounting to tens of thousands of dollars, that Sophie is unable to repay.

The Canada Revenue Agency is now exerting strong pressure and threatening to seize his bank account as well as his house.

The objectives

– Keep your home;
– Continue to operate its daycare centre; and
– Prevent your bank account from being seized.

The chosen solution

Sophie decides to file a consumer proposal. With the help of her advisor, she draws up a repayment plan that allows her to consolidate all her tax debts into a single monthly payment.

The result

Thanks to the consumer proposal, Sophie has reached a structured agreement with the Canada Revenue Agency and her other creditors. She now makes a single monthly payment, tailored to her financial capabilities. She was able to keep her home, continue running her daycare without constant pressure, and was freed from the threat of foreclosure. In the end, this solution allowed her to breathe again, regain her stability and continue to thrive in the job she loves so much: looking after the children at her daycare center.

For confidentiality purposes, the names mentioned in the testimonials have been changed.

An agreement is often possible

Let a BRESSE advisor guide you. An initial meeting at no cost will provide clarity.

Journeys similar to yours

What you’re going through is far from unique. Thousands of people have already faced this situation. 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.”

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.”

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.”

The Côté-Gagnon family

“When we thought we were about to lose everything, our advisor helped us regain control of our finances. Thank you to Martin for his professionalism and guidance. Our file was handled seriously and quickly. We’ve regained our good spirits and started sleeping again.”

Alexandre’s credit cards

“My meeting with a BRESSE professional restored my confidence, I got through it without having to declare bankruptcy.”