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DEBT ASSISTANCE AT MNP LTD IN LAVAL-DES-RAPIDES, QUÉBEC

If you’ve been battling debt for a long time — and temporary solutions are only increasing your financial burden — you may need to take a more permanent approach. Fortunately, your local MNP LTD office is here to help. Our Life-Changing Debt Solutions are purposely designed to help you put debt in the past, once and for all. You’ll work side-by-side with one of our Licensed Insolvency Trustees in Laval-des-Rapides to develop a tailored plan of action that best meets your unique needs. We empower you to take control of your finances, so you can plan for a debt-free future.

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Explore your options with a Licensed Insolvency Trustee

When you visit your local MNP LTD Licensed Insolvency Trustee in Laval-des-Rapides, we’ll discuss the options that may be right for you, such as:

DEBT RELIEF

At MNP LTD, we are mindful that every situation is unique. This is why one of our Licensed Insolvency Trustees will walk you through your options and help you decide on the right path to take. We offer confidential guidance and non-judgemental advice to help you break free from personal debt for good.

BANKRUPTCY

Declaring bankruptcy is a structured, formal process designed to provide you with a fresh financial start. One of our Licensed Insolvency Trustees at your local MNP LTD office will lead you through each step of the process, from preparing and filing all necessary documents, alerting your creditors, stopping wage garnishments and helping prevent further legal action against you.

CONSUMER PROPOSAL

Filed through a Licensed Insolvency Trustee, a consumer proposal is a formal, legally binding agreement between you and your creditors that enables you to pay back a portion of your debts over a set length of time (no longer than five years). Whereas in a bankruptcy you may lose some assets, a consumer proposal allows you to keep all assets.

DEBT CONSOLIDATION

If you qualify for a debt consolidation loan, all of your debts will be combined into one monthly payment, generally at an interest rate that’s lower than your current credit card debt. Because you only have one monthly debt payment to keep track of, debt consolidation helps take the guesswork out of paying bills and can make budgeting easier. As Licensed Insolvency Trustees, we are accredited insolvency counsellors who will guide you through your options, so you can choose the best path to a debt-free future.

INSOLVENCY

While you might see the terms “insolvency” and “bankruptcy” being used interchangeably, they have different meanings: bankruptcy is a legal declaration and process, and insolvency is a financial state in which a person cannot pay creditors on time. While being insolvent could lead to filing for bankruptcy, there may be other paths to take, such as making a consumer proposal or taking out a debt consolidation loan.

When it comes to deciding between debt solutions, getting informed is the first step. Whether you’re trying to wrap your head around the differences between bankruptcy and a consumer proposal or you’re interested in learning more about the steps involved in consolidating credit, you can turn to your local MNP LTD bankruptcy trustee in Laval-des-Rapides for the complete guidance and support you need. A debt-free future awaits: request a free confidential consultation today.