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DEBT ASSISTANCE AT MNP LTD IN Saint-Jérôme, QUÉBEC

If you’re struggling to make ends meet — and temporary solutions are only pushing you further into debt — it’s time to take a more permanent approach. This is exactly what sets MNP LTD apart. Our Life-Changing Debt Solutions are intended to help you stop the cycle of debt once and for all. One of our Licensed Insolvency Trustees in Saint-Jérôme will work privately with you to put together the right plan of action for your unique circumstances. We’re here to help you regain control of your finances, so you can enjoy a debt-free future.

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Understanding your options with our Licensed Insolvency Trustees

You can talk to your local MNP LTD Licensed Insolvency Trustee in Saint-Jérôme about the different debt solutions that may be available to you, including:

DEBT RELIEF

At MNP LTD, we recognize that every debt challenge is different. 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

As a structured, formal process, the purpose of bankruptcy is to provide you with a fresh financial start. Your local MNP LTD Licensed Insolvency Trustee will guide you every step of the way, including helping you prepare and file all required documents, notifying your creditors, stopping wage garnishments and helping prevent further legal action against you.

CONSUMER PROPOSAL

Overseen by a Licensed Insolvency Trustee, the consumer proposal process involves developing a formal offer to your creditors to settle your unsecured debt via fixed monthly payments over a specific period of time (no longer than five years). As an alternative to personal bankruptcy, a consumer proposal lets you keep assets that you might otherwise lose in a bankruptcy.

DEBT CONSOLIDATION

A debt consolidation loan combines all of your debts into a single monthly payment, typically at a lower interest rate than your 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. Our Licensed Insolvency Trustees are accredited insolvency counsellors who will explore all of your options with you, so you can make the best decision for your circumstances and plan for a debt-free future.

INSOLVENCY

Sometimes mistaken as interchangeable terms, insolvency and bankruptcy mean two different things: bankruptcy is defined as a legal process, whereas insolvency is a financial state where a person is unable to pay back 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 looking for debt solutions, it’s vital to understand your options. Your local MNP LTD bankruptcy trustee in Saint-Jérôme is here to provide all the guidance and support you need, from explaining the key differences between a consumer proposal and bankruptcy to outlining the process of consolidating credit. Get a free confidential consultation today.