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Licensed Insolvency Trustee in Montreal

We offer a variety of solutions to help you get of out debt!

Consumer Proposal

A consumer proposal is an official procedure governed by the Bankruptcy and Insolvency Act, which is exclusively available to individuals whose total debts do not exceed $250,000 excluding debts secured by their principal residence.

Division 1 Proposal

A division 1 proposal is an official procedure governed by the Bankruptcy and Insolvency Act. Unlike the consumer proposal, division 1 proposals can be filed by businesses as well as individuals and there is also no limit to the level of debts.


Bankruptcy law describes an official procedure during which you will give all of your belongings, except those exempt by the law, to the trustee who will then use them or sell them to repay the creditors.

Agreement with Creditors

André Gabbay & Associates Inc. Licensed Insolvency Trustee can only help you with the official procedures towards your agreement with creditors if you do not want to try this option or if your creditors have not accepted your proposal.

Debt Consolidation

To perform a consolidation, you need to contact a financial institution, a Bank for example, which offers debt consolidations.

Voluntary Deposit Service

Voluntary deposit is an alternative offered by the Government of the Canada. For the voluntary deposit, you must go to the Office which deals with the voluntary deposit in your area where you will determine an amount you will pay monthly.

We can answer all your questions

  • Do you have questions about the length and consequences of declaring bankruptcy?
  • Are you asking yourself if bankruptcy or a consumer proposal is right for you?
  • Will bankruptcy affect your salary? What will this mean for your student loans?

We are always here to help

Available Nights and on Sundays

André Gabbay & Associates Inc. Licensed Insolvency Trustee are available to meet you for consultations on nights and on Sundays.

We receive calls until 9 p.m. Appointment bookings are usually confirmed within 24 hours.

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Our Expertise

Our professionals have acquired years of experience in all areas of insolvency and can determine the best course of action for your financial difficulties with our personalised, case by case approach. Given the numerous variables in each situation, we take the time to analyze your specific situation to answer your questions and concerns.

Free Initial Consultation