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Tremblay & Cie Ltée vous accompagne avec des solutions à vos problèmes de dettes : faillite, proposition de consommateur et redressement financier. Consultation confidentielle. Licensed insolvency trustee in Quebec. When debt takes over completely, we step in. We will help you find a solution to free yourself from your debts. Online appointment Contact Proposition de consommateur 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. Business in difficulty Many companies must reorganize to cope with an increasingly demanding market. Sometimes this reorganization requires recourse to laws that allow for debt settlement when debts reach an unsustainable level. Bankruptcy Get expert advice on how to restructure your financial situation and avoid bankruptcy. 15,000+ Satisfied customers OUR COMMITMENT About Tremblay Co. In business since 1962, our values are integrity, transparency and service to 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 Read more about Tremblay Cie Our team Our experience at your service Charles Tremblay Chicoutimi et Alma charles@tremblaycie.com Bureau : 418-549-5642 Cellulaire : 418-662-5657 Diane Hamel Roberval et Dolbeau-Mistassini diane.hamel@tremblaycie.com Bureau : 418-275-5626 Cellulaire : 418-276-7778 Éric Villeneuve Quebec, CPA eric.villeneuve@tremblaycie.com Bureau : 418-476-1136 Cellulaire : (581) 996-7088 Jérémy Tremblay Trustee, LL.B., MBA jeremy.tremblay@tremblaycie.com Office: 418-549-5642 Cell: 581-234-2627 Fabien Tremblay Trustee, LL.M. fabien.tremblay@tremblaycie.com Office: 418-549-5642 Cell: 418-690-6353 Julie Michaud Administrator, CPA julie.michaud@tremblaycie.com Office: 418-549-5642 Alexandre Tremblay Administrator, CPA alexandre.tremblay@tremblaycie.com Office: 418-549-5642 Cell: 418-290-8506 Log In

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Contactez Tremblay & Cie dès aujourd'hui pour une consultation gratuite, confidentielle et sans engagement. Une équipe à l'écoute pour vous aider à retrouver votre équilibre financier CONTACT . ACCUEIL / SEPT-ÎLES / Contact: Téléphone 888-549-5642 Email E-mail COORDONNÉES 700 Boulevard Laure Sept-Îles (QC), G4R 1Y1 Tel : (418) 476-1136 Fax : (418) 549-5829 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Contact us First name Name E-mail* Phone Code postal* Message* Send

Contactez Tremblay & Cie dès aujourd'hui pour une consultation gratuite, confidentielle et sans engagement. Une équipe à l'écoute pour vous aider à retrouver votre équilibre financier CONTACT . ACCUEIL / ALMA / Contact: 888-549-5642 E-mail COORDONNÉES 11 rue Melançon Alma (QC), G8B 3W8 Tel : (418) 662-5657 Fax : (418) 668-7903 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Contact us First name Name E-mail* Phone Code postal* Message* Send

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? The maximum term is 5 years (60 months). You can also make additional payments to complete the loan faster and begin your financial recovery sooner. How is the monthly amount determined? The amount depends on several factors: the value of your assets, your disposable income, the total amount of your debts, and what creditors are likely to accept. Our goal is to find a balance between an affordable monthly payment for you and an attractive offer for your creditors. What happens if I miss a payment? If you miss three monthly payments, your proposal will be automatically cancelled. However, we understand that unforeseen circumstances can arise. If you anticipate temporary difficulties, contact us immediately to explore available options before it's too late. Will my spouse be affected? Only if you have joint debts. If your spouse did not co-sign your debts, their credit score and finances will not be affected. We can also assess the possibility of a joint proposal if you are both experiencing financial difficulties. Can I keep my house and my car? Absolutely! That's precisely one of the major advantages of a consumer proposal. As long as you continue to make your mortgage and car loan payments, you keep all your assets, unlike in bankruptcy where some assets could be seized. How can I know if my creditors will accept my proposal? Our trustees have extensive experience and are familiar with the acceptance criteria of major creditors. We formulate realistic and well-balanced proposals, which explains our high acceptance rate. After a proposal is filed, we can amend it to facilitate its acceptance. Can I get credit during my proposal? Yes, but with some restrictions. You can usually get a secured credit card and, in some cases, a car loan with a substantial down payment. We'll advise you on the best strategies for gradually rebuilding your credit during your proposal. Will my employer be informed? No. Your employer is not informed of your consumer proposal unless you work in certain financial or regulated sectors where specific disclosures are required. Confidentiality is maintained throughout the entire process. What are the alternatives to the consumer proposal? Depending on your specific situation, alternatives may include bankruptcy, debt consolidation, or an amicable settlement with your creditors. During your free consultation, we will thoroughly examine all available options to help you make the most advantageous choice.

Contactez Tremblay & Cie dès aujourd'hui pour une consultation gratuite, confidentielle et sans engagement. Une équipe à l'écoute pour vous aider à retrouver votre équilibre financier CONTACT . ACCUEIL / MONTRÉAL / Contact: 888-549-5642 E-mail COORDONNÉES 612 Rue Saint-Jacques, Montréal (QC), H3C 1E2 Tel : 888 549-5642 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Contact us First name Name E-mail* Phone Code postal* Message* Send

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 /

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.

Contactez Tremblay & Cie dès aujourd'hui pour une consultation gratuite, confidentielle et sans engagement. Une équipe à l'écoute pour vous aider à retrouver votre équilibre financier CONTACT . ACCUEIL / ROBERVAL / Contact: Téléphone 888-549-5642 Email E-mail COORDONNÉES 610 Bd Marcotte, Roberval, QC G8H 1Z6 Tel : (418) 275-5626 Fax : (418) 275-6375 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Contact us First name Name E-mail* Phone Code postal* Message* Send

Contactez Tremblay & Cie dès aujourd'hui pour une consultation gratuite, confidentielle et sans engagement. Une équipe à l'écoute pour vous aider à retrouver votre équilibre financier CONTACT . ACCUEIL / QUÉBEC / Contact: Téléphone 888-549-5642 Email E-mail COORDONNÉES 4815, boul. de l’Ormière, Suite 270 Québec (QC), G1P 1K6 Tel : (418) 476-1136 Fax : (418) 549-5829 Cell : (581) 996-7088 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Contact us First name Name E-mail* Phone Code postal* Message* Send

Contactez Tremblay & Cie dès aujourd'hui pour une consultation gratuite, confidentielle et sans engagement. Une équipe à l'écoute pour vous aider à retrouver votre équilibre financier Contact: Phone: 1-888-549-5642 E-mail: E-mail Quebec City address: 4815, boul. de l'Ormière, Suite 270 Quebec City (QC), G1P 1K6 Contact us First name Name E-mail* Phone Code postal* Message* Send CONTACT . ACCUEIL / CONTACT / Chicoutimi CONTACT DETAILS 582 Boulevard du Saguenay Est Chicoutimi (QC), G7H 1L2 Tel : (418) 549-5642 Fax : (418) 549-5829 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Quebec - The Willows CONTACT DETAILS 4815, boul. de l’Ormière, Suite 270 Québec (QC), G1P 1K6 Tel : (418) 476-1136 Fax : (418) 549-5829 Cell : (581) 996-7088 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Quebec - Beauport CONTACT DETAILS 3000 rue Alexandra suite 302 Beauport (QC), G1E 7C8 Tel : (418) 476-1136 Fax : (418) 549-5829 Cell : (581) 996-7088 HEURES D’OUVERTURE Lundi au vendredi 07:00 à 20:00 Alma CONTACT DETAILS 11 rue Melançon Alma (QC), G8B 3W8 Tel : (418) 662-5657 Fax : (418) 668-7903 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Roberval CONTACT DETAILS 610 Bd Marcotte, Roberval, QC G8H 1Z6 Tel : (418) 275-5626 Fax : (418) 275-6375 HEURES D’OUVERTURE Lundi au vendredi 07:30 à 20:00 Dolbeau-Mistassini CONTACT DETAILS 1461 Wallberg Boulevard Dolbeau-Mistassini (QC), G8L 1H5 Tel: (418) 276-7778 Fax: (418) 275-6375 OPENING HOURS Monday to Friday 7:30 to 8:00 PM Sept-Îles CONTACT DETAILS 700 Boulevard Laure Sept-Îles (QC), G4R 1Y1 Tel: (418) 476-1136 Fax: (888) 834-1960 OPENING HOURS Monday to Friday 7:30 to 8:00 PM Montreal CONTACT DETAILS 612 Rue Saint-Jacques, Montreal (QC), H3C 1E2 Tel: 888 549-5642 OPENING HOURS Monday to Friday 7:30 to 8:00 PM