Your debts have a legal solution, not only an accounting one.
Sultan Avocat inc. advises people whose debts have outgrown their ability to pay, in Laval and Montreal. Before choosing between an agreement, a consumer proposal and bankruptcy, you need to know what each option costs you, what it protects and what it leaves behind.
The first question is not how much you owe, but how much you still genuinely owe.
A claim that is prescribed, miscalculated or already paid is not settled — it is contested.
Taking back control of your debts, one decision at a time
The trustee administers the insolvency file. The lawyer protects your interests: before filing, during the process and after the discharge.
Reviewing the claims
Establishing what is actually owed, what is prescribed and what has been miscalculated.
Choosing the right route
Comparing a direct agreement, consolidation, a consumer proposal and bankruptcy.
Seizures and enforcement
Contesting an unjustified wage garnishment, bank seizure or writ of execution.
Opposition to discharge
Responding when a creditor or the trustee opposes your discharge.
Guarantors and co-signers
Protecting whoever co-signed the debt: your bankruptcy does not release them.
After the discharge
Having a credit file corrected and the scope of the discharge respected.
A simple method in a situation that is anything but
Establish
Build the full picture of the debts, the assets and the income.
Verify
Examine each claim: amount, prescription, security, interest.
Compare
Cost out the options and their consequences for the home, the vehicle and credit.
Protect
Act without delay when a seizure is underway or a deadline is running.
See it through
Follow the file to discharge and deal with what comes after.
A discharge is not a clean slate
Some debts survive a bankruptcy. Knowing which ones before you file is what keeps you from solving half the problem while believing you solved all of it.
- Support payments and support arrears
- Fines and restitution orders imposed by a court
- Debts arising from fraud or misrepresentation
- Student loans, if studies ended less than seven years ago
- Secured debts, which the creditor can still enforce against the property
Verify before paying. Compare before filing. Protect what can be protected.
We explain each option in plain language, with its concrete consequences for your home, your vehicle, your savings and your credit. You decide knowing what you gain and what you give up.
We do not open a file whose cost is out of proportion to what it gains you.
Your debts deserve to be checked before they are paid.
A consultation clarifies what you actually owe and what options are open to you.
Book a consultation