Restore your financial stability with our Consumer Proposal service, an effective solution for negotiating arrangements with your creditors.
The consumer proposal is a simpler alternative to bankruptcy, simplifying management and implementation. Creditors have 45 days to accept or reject the proposal and request a meeting. In the event of rejection, the Serpone Group modifies the proposal. Feasible and preferred, it guarantees financial independence. Our experts assess finances and suggest cost-effective measures. The Serpone Group empowers customers in this process.
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To restructure their debt, reduce monthly payments and offer them a realistic repayment plan to overcome their financial difficulties.
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To enable them to negotiate with their creditors and establish realistic payment terms to ease their debt burden while preserving their access to healthcare.
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To enable them to restructure their unsecured debt, reduce financial pressures and regain a more solid financial footing to get through these difficult times.
No matter what stage you're at with your finances, you've come to the right place with us. We'll help you get your financial house in order, and back on track to a bright future.
We carry out a financial evaluation to draw up a consumer proposal tailored to your situation.
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Following the assessment, we prepare the collaborative consumer proposal in compliance with legal requirements.
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Once the proposal has been submitted, all that remains is to ensure that the various stages - negotiation, payment, representation and resolution - run as smoothly as possible.
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For a Consumer Proposal to be accepted, it must be approved by a certain percentage of creditors, depending on the amount of the debt. If the proposal is accepted by the majority of creditors, it will be binding on all.
The length of the process can vary, depending on the complexity of your financial situation and the cooperation of your creditors. In general, it can take from a few months to a few years.
A Consumer Proposal will appear on your credit file and have a negative impact on your credit rating. However, once you've completed the repayment program, you can begin rebuilding your credit.
Groupe Serpone is an experienced trustee in bankruptcy with in-depth expertise in consumer proposals. We offer professional guidance, personalized advice and competent management of the process, while ensuring that your interests are protected.
The main difference lies in the level of financial commitment and the way debts are handled. In a Consumer Proposal, you propose a repayment plan to creditors to pay off part of your debts. In a personal bankruptcy, most of your unsecured debts are generally wiped out, but you may be required to liquidate certain assets.
Yes, in general, you can keep your essential property and assets such as your principal residence, furniture and personal effects. However, exceptions may apply in the case of high-value assets. Our team will assess your specific situation and provide you with tailored advice.
I would like to express my sincere gratitude. Your professionalism and the humanity with which you handled my situation softened my experience of this not very gratifying experience. I was very satisfied with the services of the lawyer you recommended, and I would highly recommend him to anyone facing this type of situation. You will be the trustee in bankruptcy that I will recommend in all appropriate circumstances.
