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DEBT ASSISTANCE AT MNP LTD IN SAINT-JEAN-CHRYSOSTOME, QUÉBEC

If you’re struggling to break free from the cycle of debt — and short-term fixes are only sinking you further into debt — it’s time to consider a more permanent approach. This is where MNP LTD steps in. We provide Life-Changing Debt Solutions that are focused on helping your erase personal debt for good. One of our Licensed Insolvency Trustees in Saint-Jean-Chrysostome will work privately with you to put together the right plan of action for your unique circumstances. We’re ready to help you take control of your finances, so you can live a debt-free life.

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Get to know your options with our Licensed Insolvency Trustees

When you visit your local MNP LTD Licensed Insolvency Trustee in Saint-Jean-Chrysostome, 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. That’s why you can expect to work closely with one of our Licensed Insolvency Trustees, who will help you fully understand your options and decide on the best course of action. You can depend on us to provide discreet guidance, support and unbiased advice throughout the process, so you can put your debt in the past once and for all.

BANKRUPTCY

As a structured, formal process, the purpose of bankruptcy is to provide you with a fresh financial start. The process is administered by a Licensed Insolvency Trustee, who will help you complete and file all mandatory paperwork, notify your creditors, stop wage garnishments and help prevent further legal action against you.

CONSUMER PROPOSAL

Filed under the guidance of a Licensed Insolvency Trustee, a consumer proposal allows you to develop and negotiate a formal agreement between you and your creditors in which you will pay back a portion of your debts over time, up to a five-year maximum term. While you may need to hand over assets in a bankruptcy, a consumer proposal allows you to keep all assets.

DEBT CONSOLIDATION

If you are approved for a debt consolidation loan, all of your debts will be merged into one overall monthly payment, which is often at a lower interest rate than your credit card debt. With debt consolidation, you don’t have to worry about keeping track of multiple debt payments, which can make it easier to budget. 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

Sometimes incorrectly used as a synonym for bankruptcy, which is a legal process, insolvency is a financial state in which a person can’t pay back lenders on time. While filing for bankruptcy can resolve insolvency, it may not be your only option — depending on your situation, you might also be able to make a consumer proposal or take out a debt consolidation loan.

Debt solutions aren’t one-size-fits-all, which is why it’s essential to get educated about your options. Your local MNP LTD bankruptcy trustee in Saint-Jean-Chrysostome is here to answer all of your questions, from outlining the differences between declaring bankruptcy and making a consumer proposal to detailing the process of consolidating credit. Get started with a free confidential consultation.