Stéphane’s health problems

"I have only one thing to say: thank you! You guided me towards the most effective situation to help me through this difficult period. You took the time to help me prepare for discussions with my creditors, at no cost to me. Today, my situation is back to what it was before my health problems. Thank you for your honesty, transparency and excellent advice." Stéphane

The situation

Everything was going well for Stéphane: a stable career, a house 50% paid off, a debt-free car and a comfortable income.

Until one morning, when he felt a worrying discomfort: a heart attack. Fortunately, he was treated in time and his health stabilized. The doctor was definite – he would have to stop working for several months.

The problem: Stéphane doesn’t have salary insurance. While waiting for EI benefits, he has no income, while his creditors demand their monthly payments. Delays accumulate, calls multiply and the stress becomes unbearable during his convalescence.

Convinced he was going to lose everything, Stéphane contacted a BRESSE advisor.

The objectives

– Recover financially without resorting to bankruptcy;
– Protect your home and your car;
– Reduce pressure from creditors during his convalescence; and
– Regaining stability before returning to work.

The chosen solution

With the help of his advisor, Stéphane analyzed his situation in depth. Since he still has good equity in his home and a debt-free car, bankruptcy is not an option.

Following BRESSE’s advice, he contacts his creditors directly to explain his medical situation.

Unexpectedly, they were quite open to the idea, with many agreeing to temporarily suspend payments. His mortgage institution even offered to review his financing after his convalescence, in order to consolidate his debts and lighten his payments.

Thanks to these simple but strategic steps, Stéphane avoids bankruptcy and maintains his financial credibility.

The result

A few months later, Stéphane was finally back on his feet. His convalescence went smoothly, and he was able to return to work without any additional debts or negative marks on his credit report.

Thanks to the steps taken with his advisor, he has kept his home and vehicle, while re-establishing a relationship of trust with his creditors. Today, he has the financial stability and peace of mind he needed to focus on what matters most: his health and his family.

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.

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What you’re going through is far from unique. Thousands of people have already faced this situation. You deserve a second chance.

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