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Debt and Insolvency in Quebec
Insolvency in Canada is framed by federal legislation and administered notably by the Office of the Superintendent of Bankruptcy. This page presents general concepts and official authorities.
What this means
Different mechanisms exist, including the consumer proposal and bankruptcy. They are administered by licensed insolvency trustees. The Office of the Superintendent of Bankruptcy publishes official information and the trustee register.
Common situations
- Debts that have become impossible to repay
- Repeated collection agency calls
- A seizure announced or underway
- A business bankruptcy being considered
- A consumer rights question
General process
Procedures vary depending on the court, tribunal or circumstances. Consult the official government resources below or speak with a qualified legal professional.
Official government information
- Bureau du surintendant des faillites Canada ↗
- Office de la protection du consommateur ↗
- Éducaloi ↗ Plain-language legal information from a recognised non-profit.
- Commission des services juridiques (aide juridique) ↗
- Ministère de la Justice du Québec ↗
Documents commonly requested
Depending on your situation, the documents requested may vary.
- A list of creditors and balances
- Account statements and demand letters
- Income statements
- Seizure documents or proceedings received
- Credit agreements
Frequently asked questions
Who administers insolvency in Canada?
The Office of the Superintendent of Bankruptcy, which publishes official information and maintains the register of licensed insolvency trustees.
Where can I learn about consumer rights in Quebec?
The Office de la protection du consommateur publishes official information on consumer rights and recourse.
You may wish to speak with a qualified legal professional if your situation involves deadlines, significant amounts, or disputed facts. Individualised advice is often necessary.
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Disclaimer
This page is provided for general informational purposes only and does not constitute legal advice. Laws and procedures may change, and every situation is unique. If you need advice about your specific circumstances, consult a qualified lawyer or legal professional. MTLPages is not a law firm.