Process

The first step is often the most difficult, and we understand that. During a free consultation at our Montréal office or in another city in the region, we take the time to review your financial situation and answer your questions. This meeting helps you gain clarity and better understand the legal solutions available when dealing with debt.

Depending on your situation, options may include, among others, a consumer proposal, certain steps related to a cancelled proposal, a proposal under the Bankruptcy and Insolvency Act, or personal bankruptcy. Our role is to inform you, explain the advantages and disadvantages of each option, and help you determine the most appropriate course of action for you, without pressure and at your own pace.

The meeting is confidential, with no obligation, and your employer or anyone in your personal circle will never be contacted.

When it is time to officially begin a legal process, your file is taken over by a licensed insolvency trustee or an administrator, depending on the solution chosen. Our role at that point is to refer you to the professional best suited to your situation.

The A.JB team has been working with the same trustees and administrators for nearly 25 years. We only refer professionals we know to be competent, thorough, respectful, and human.