We offer you:
✔ Compassionate listening, without judgment
✔ Solutions adapted to your reality
✔ A clear understanding of your rights and options (without jargon)
✔ Help to stop the pressure and calls from creditors
✔ Preparation and guidance through your steps with calm, clarity, and respect
✔ Clear support from the beginning until you regain your financial stability
Debts, seizures, creditor harassment? Solutions exist.
Since 1999, A.JB Solutions has been providing information, support, and guidance services related to debt and insolvency, helping you regain control and take the right steps at the right time.
WHO ARE WE?
Founded in 1999 by Josée Brouillette, A.JB is a company recognized for its rigor, expertise, unique approach, and dedication to its clients.
WHY CHOOSE A.JB?
For 25 years, we have helped over 12,000 clients free themselves from debt, regain financial freedom, and look towards the future.
THE PROCESS
It may involve a consumer proposal, a request for an annulled proposal, a concordat proposal, or bankruptcy.
A.JB Solutions in Montreal
You also have rights against your creditors!
A.JB SOLUTIONS offers insolvency services throughout the Montreal area and other surrounding cities. Over the past 25 years, we have helped thousands of people facing unbearable financial problems continue their lives with respect and dignity, while regaining financial freedom.
At A.JB, client satisfaction is paramount. More than half of our clients come from referrals. We are proud of this, and we continuously work to improve our service. Each client requires particular attention, as the problems and causes are all different. Our services are personalized and full of empathy.
People facing debt or insolvency issues can experience disastrous consequences for their relationships, families, social lives, and health. Financial problems are among the greatest life stressors. We are aware of this and support our clients through the storm until they can smile again!
Our services
Whether it involves credit cards, personal loans, a line of credit, overdue rent or electricity bills, a student loan balance, tax debts (GST and QST), an overpayment of employment insurance or social assistance, or even old unpaid invoices.
We can assist you in order to:
inform you about the options provided by law regarding insolvency;
explain the steps that may help stop repeated calls from creditors;
inform you about measures that can suspend certain legal proceedings;
explain the possible steps regarding wage garnishments or bank account seizures;
inform you about the protections provided by law for certain assets, such as your home, your automobile, or your RRSPs;
help you better understand your financial situation and the possible solutions;
guide you toward solutions that take into account your situation and your budget.
In many situations, it may be possible to establish a monthly payment based on your financial capacity within the framework of solutions provided by law.
Our team informs you, supports you, and assists you through the process in order to help you better understand your financial situation and the options that may be available to you. We also help you better understand your credit report and the factors that may influence it.
Our objective is to provide you with the information and the tools you need so that you can make informed decisions and regain financial stability.
Whether it is to learn how to prepare a budget, obtain information about a consumer proposal, consider a second proposal if the first one was cancelled, make a Division I proposal, declare bankruptcy, or simply obtain answers to your questions, we are available to inform you and assist you in your process.
Support, Financial Education, and Credit Rebuilding
Our team provides information and support to help you better understand your financial situation and the options that may be available to you. We help you understand your credit report, the factors that influence your credit score, and the practical steps that can help improve it.
Our objective is to provide you with useful information and tools to rebuild your financial stability and move forward with greater peace of mind, even after a difficult period.
Whether it is to learn how to create a budget, better understand your rights when dealing with creditors, obtain information about solutions such as a consumer proposal or bankruptcy, or simply get answers to your questions, a simple phone call can make all the difference.
Hearing Impaired Clients
A sign language interpreter can be made available for people who are hard of hearing, upon request. We are committed to providing an accessible, respectful, and inclusive service for everyone.
Our services!
SELF-EMPLOYED
If you are self-employed and struggling to pay debts such as taxes, TPS and TVQ, loans, credit cards, electricity bills, or rent, you (just like salaried workers) can make a consumer proposal to your creditors! This solution significantly reduces the total amount of your debts, allowing you to make only a reduced monthly payment for 5 years, without interest.
INSOLVENCY
Illness, unemployment, business closure, separation, gambling, alcohol, or drug problems: no matter the reasons that led to your insolvency, you have our utmost respect. Our clients go through tough times, and our duty is to alleviate the repercussions. Call us to learn more about the solutions available to you!
CREDITORS
A.JB’s mission is to protect you from creditors, inform you of your rights, and guide you towards the best solution by offering professional, respectful, and warm service, all while creating an environment where you will be treated with kindness. A human approach is at the core of our customer service, as we understand your burden.
SEIZURE
A.JB works quickly and efficiently to suspend all seizure procedures. Whether it’s wage garnishment, bank account garnishment, or electricity disconnection, A.JB’s mission is to protect your assets and salary, as well as stop creditor harassment. Remember, having debt problems is very common, especially in the current economic climate. In North America, few people are debt-free. We can help you gain clarity and relieve you of this immense burden.
Contact A.JB Solutions Montréal
You are not alone in facing your debts. Solutions exist, and you have rights. Contact us to schedule a confidential, judgment-free meeting.
Compliance Notice
A.JB Solutions provides information, support, and guidance services in matters related to debt and insolvency. A.JB Solutions is not a licensed insolvency trustee and does not administer proceedings under the Bankruptcy and Insolvency Act. Any consumer proposal, proposal under the Act, or bankruptcy is filed and administered exclusively by a licensed insolvency trustee, in accordance with legal requirements. A.JB Solutions acts as an information and support intermediary and collaborates with licensed insolvency trustees when the client’s situation requires it, in compliance with applicable laws and regulations.