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La faillite personnelle permet de se libérer de ses dettes et de retrouver une stabilité financière. Informez-vous auprès de nos syndics autorisés en insolvabilité. bankruptcy ACCUEIL / LA FAILLITE / Bankruptcy Get expert advice on how to restructure your financial situation and avoid bankruptcy. Advantages of bankruptcy: During the bankruptcy: You can keep your work-related belongings and part of your retirement savings. If you have secured loans, you can continue to repay them. After bankruptcy: You will live debt-free and with a balanced budget. You have the option to choose which items you wish to keep. Bankruptcy offers a second chance to those who need it. What is bankruptcy? A person experiencing financial hardship can use the provisions of the Bankruptcy and Insolvency Act to file for personal bankruptcy. Only a Licensed Insolvency Trustee (LIT) can do this on your behalf. When you file for bankruptcy, we notify all your creditors, who must then immediately suspend all legal proceedings against you (actions, seizures, phone calls, and other collection procedures). Bankruptcy allows you to eliminate all your debts, including those owed to government entities, although there are some limited exceptions. Bankruptcy can be The best option if: 1. You cannot consolidate your debts or make a consumer proposal. 2. You have few assets with significant equity. 3. Your financial situation is too unstable to commit to a long-term proposal and you want to quickly resolve your debt problem and balance your budget. APPOINTMENT How does it work? Bankruptcy? acknowledge the financial difficulties. Identification of the financial problem 1 Bankruptcy filing filing for bankruptcy with the competent authorities. 2 Bankruptcy management An insolvency administrator manages the process. 3 Financial restructuring plan the financial recovery. 4 to resolve debts and ensure financial stability. Conclusion and follow-up 5 APPOINTMENT

Consolidation de dettes : regroupez vos dettes en un seul paiement et simplifiez vos finances. Consultation gratuite et confidentielle avec nos conseillers. DEBT CONSOLIDATION ACCUEIL / CONSOLIDATION DE DETTES / Who is debt consolidation for? MAKE AN APPOINTMENT Ceux qui ont un historique de crédit qui leur permet d'accéder à un prêt de consolidation. 01 Ceux qui sont capables de faire face aux remboursement du prêt, couvrant 100% de leurs dettes, plus un taux d'intérêt qui peut varier en fonction de leurs antécédents de crédit. 02 Debt consolidation Get expert advice on how to restructure your financial situation and avoid bankruptcy. What is debt consolidation? Debt consolidation is a financial solution designed to help you simplify and manage your debts more effectively. It involves combining several debts into one, which reduces the number of monthly payments and, in many cases, results in a lower interest rate. Benefits debt consolidation: A single monthly payment for easier financial management. Access to a lower interest rate . One single creditor to simplify your finances. Save money by avoiding additional interest payments and late fees.

Concordat proposal ACCUEIL / CONCORDAT PROPOSAL / How to save a struggling company? When a company experiences financial difficulties, there are often solutions to avoid bankruptcy . By intervening quickly, it is possible to protect operations, preserve jobs , and restore lasting financial stability . A proposal under the Bankruptcy and Insolvency Act allows an insolvent company to reach an agreement with its creditors to reduce financial pressure and reorganize its debts. Governed by the Bankruptcy and Insolvency Act, this solution offers the opportunity to continue operating the business while implementing a realistic recovery plan. What is a concordat proposal? These mechanisms provide that a company, through a licensed insolvency trustee, can file a proposal (" an offer ") with the company's creditors, asking them to accept less than the amounts owed so that the company can survive. The trustee works with company management to draft a proposal that presents the best alternative for both the creditors and the company. Typically, creditors will have to forgo a portion of the amounts owed to them, with the company offering to pay a certain percentage of its debts (for example, 25%) over a period calculated according to the company's financial capacity. How does it work in practice? The proposal for a settlement is the only mechanism that allows tax debts to be settled at less than 100% , and yes, governments accept such settlements. The filing of a proposal halts all legal proceedings taken or contemplated by the creditors. Filing a proposal gives the company some leeway to discuss with creditors, explain its financial situation and ask for their support for the proposal. Filing a proposal also protects the company's directors from legal liability. Main advantages 1. Significant debt reduction 2. Preservation of your assets 3. Cessation of interest 4. Protection against creditors 5. Simplified monthly payments APPOINTMENT

La proposition de consommateur vous permet de réduire vos dettes, de cesser les appels des créanciers et de conserver vos biens. Consultation gratuite et confidentielle. CONSUMER PROPOSAL ACCUEIL / PROPOSITION DE CONSOMMATEUR / Consumer proposal Reduce your debts without losing your assets. Free yourself from the burden of debt with a consumer proposal, a legal alternative to bankruptcy that allows you to start fresh. Book an appointment today for a free and confidential consultation. What is a consumer proposal? A consumer proposal is a legal solution governed by the Bankruptcy and Insolvency Act that allows you to settle your debts for a fraction of the total amount you owe , while keeping all your assets. This is a formal agreement between you and your creditors, administered by a licensed insolvency trustee. How does it work in practice? You meet with one of our trustees to assess your financial situation. We are preparing an offer to creditors to partially repay your debts ( usually between 20% and 50% ). If the majority of your creditors agree, ALL your creditors are legally bound to respect the agreement. You make fixed and affordable payments over a maximum period of 5 years. At the end of your proposal, all your included debts are legally considered to be fully settled . Main advantages 1. You keep all your belongings 2. Major reduction of your debts 3. Fixed monthly payments 4. Immediate legal protection 5. Limited impact on your credit APPOINTMENT An example to better understand Marc went into debt by $50,000 in credit cards, personal loans and back taxes. With our help, you submit a proposal offering to pay $20,000 (40% of the total). Preparing the offer 1 Offer accepted His payments are $333 per month for 60 months. 2 Debt reduction He saves $30,000 of his original debts. 3 Situation He keeps his house, his car and all his belongings. 4 Once the proposal is completed, he is completely free of his $50,000 debt. Proposal completed 5 APPOINTMENT Questions fréquentes Q&A on the consumer proposal How much does a consumer proposal cost? Fees are regulated and included in your monthly payments. There are no upfront fees for submitting a proposal. During your free consultation, we will explain the fee structure in detail; fees typically represent approximately 20% of the total proposal amount. How long does a consumer proposal last? How is the monthly amount determined? What happens if I miss a payment? Will my spouse be affected? Can I keep my house and my car? How can I know if my creditors will accept my proposal? Can I get credit during my proposal? Will my employer be informed? What are the alternatives to the consumer proposal?

Depuis 1962, Tremblay & Cie accompagne les particuliers et les entreprises vers des solutions adaptées à leurs difficultés financières. Consultation gratuite et confidentielle. About Tremblay Co. When you need help because the burden of debt becomes too heavy, it is important to be able to rely on professionals who are available and easy to reach . This is the service we offer. Read our customer reviews, and you'll understand that these aren't empty promises, but a real commitment we'll maintain throughout the resolution of your case. Too often, some firms will manage your file from an administrative center, to which you'll be directed after signing for any questions that inevitably arise. Signing is just one step, and with us, you'll continue to have easy access to the person you initially met, right here in the city where you submitted your application. In business since 1962, our values are integrity, transparency and service to all our clients. But don't just believe what you read. Come and meet with us to discuss your situation in confidence. You'll understand our commitment to taking your situation to heart and resolving it. It will be a pleasure to serve you. Fabien Tremblay ABOUT ACCUEIL / À PROPOS /

Prenez rendez-vous avec un syndic autorisé en insolvabilité pour une consultation gratuite, confidentielle et sans engagement. Ensemble, trouvons la meilleure solution à votre situation financière. APPOINTMENT ACCUEIL / RENDEZ-VOUS / How can we help you? I want a first appointment. It is free and confidential. To start Urgent questions and immediate assistance Quick help

BUSINESS ACCUEIL / BUSINESS / Business in difficulty The Act allows a company to place itself under protection for a period of thirty (30) days up to six (6) months , during which time the company must develop a restructuring plan for its business, as well as an offer to be presented to all of its creditors. What is a concordat proposal ? These mechanisms provide that a company, through a licensed insolvency trustee, can file a proposal (" an offer ") with the company's creditors, asking them to accept less than the amounts owed so that the company can survive. The trustee works with company management to draft a proposal that presents the best alternative for both the creditors and the company. Typically, creditors will have to forgo a portion of the amounts owed to them, with the company offering to pay a certain percentage of its debts (for example, 25%) over a period calculated according to the company's financial capacity. How does it work in practice? The proposal for a settlement is the only mechanism that allows tax debts to be settled at less than 100% , and yes, governments accept such settlements. The filing of a proposal halts all legal proceedings taken or contemplated by the creditors. Filing a proposal gives the company some leeway to discuss with creditors, explain its financial situation and ask for their support for the proposal. Filing a proposal also protects the company's directors from legal liability. Main advantages 1. Significant debt reduction 2. Preservation of your assets 3. Cessation of interest 4. Protection against creditors 5. Simplified monthly payments APPOINTMENT

Établir un budget est la première étape vers une meilleure gestion financière. Apprenez à planifier vos dépenses et à réduire votre endettement.

About Us . ACCUEIL / SOLUTIONS APPLICABLES SOI-MÊME / About Us Welcome to Constructuro, where creativity, precision, and innovation converge to create world-class construction solutions. For years, we've been building more than just structures—we've been crafting environments that inspire, empower, and endure. From luxurious homes to dynamic commercial spaces and robust industrial facilities, Constructuro combines advanced technology with unparalleled expertise to bring your vision to life. Our team is passionate about redefining the construction process, ensuring seamless communication, meticulous planning, and flawless execution. Whether it's a small-scale renovation or a large-scale project, we are your trusted partner in building a brighter future. Who We Are Constructuro is more than a construction company—we are a collective of visionary architects, experienced engineers, and meticulous project managers dedicated to excellence. We take pride in being at the forefront of the construction industry, using modern techniques and sustainable materials to deliver projects that stand the test of time. Our commitment to innovation drives us to continuously evolve, embracing the latest trends and technologies to meet the ever-changing needs of our clients. With a strong foundation built on trust, transparency, and teamwork, Constructuro has earned a reputation for delivering projects that exceed expectations and set new industry benchmarks. Why Choose Us? Proven Expertise: With years of experience across various sectors, we bring unmatched knowledge and craftsmanship to every project. Tailored Solutions: We understand that every client is unique, which is why we offer personalized services that align with your specific goals and needs. Innovation & Technology: By leveraging cutting-edge tools and techniques, we create modern, functional, and future-ready spaces. Sustainability: Our eco-friendly approach ensures that every project minimizes its environmental impact while maximizing efficiency. Unwavering Commitment: From concept to completion, we maintain the highest standards of quality, safety, and professionalism. Customer-First Approach: Your satisfaction is our ultimate goal. We believe in open communication, proactive problem-solving, and delivering on our promises. "Choosing Constructuro means choosing a partner who is as invested in your success as you are. Let us bring your vision to life with precision, passion, and unparalleled expertise."

The solutions Consumer proposal Réduisez vos dettes sans perdre vos biens. Libérez-vous du poids de vos dettes grâce à la proposition de consommateur, une alternative légale à la faillite qui vous permet de repartir à neuf Debt consolidation Obtenez des conseils d’experts sur la manière de restructurer votre situation financière et d’éviter la faillite Bankruptcy Obtenez des conseils d’experts sur la manière de restructurer votre situation financière et d’éviter la faillite. Concordat proposal allows a company in financial difficulty to reach an agreement with its creditors in order to reduce or reschedule its debts while continuing its operations. Make an appointment

projects . ACCUEIL / PROJECTS /