73% reduction
- Amount owed
- $90,217
- Accepted proposal
- $24,000
Creditors: CRA, BMO, Desjardins, Scotia, TD.
André Gabbay & Associates Inc. · Licensed Insolvency Trustee
Take back control of your finances with a consumer proposal
A solution governed by law, and an alternative to bankruptcy, to reach an agreement with your creditors based on what you can actually pay. Our team supports you with a personalized, confidential and judgment-free approach.
- Free and confidential initial consultation
- Licensed Insolvency Trustees
- An alternative to bankruptcy
Let's talk about your situation
Fill out this short form and our team will get in touch with you.
Prefer to talk now? 514 316-7057
Professionals who help you regain your peace of mind
Professional expertise
A professional and friendly environment, with one goal: helping you solve your financial problems.
Licensed Insolvency Trustees
A Licensed Insolvency Trustee is the only professional authorized to administer a consumer proposal or a bankruptcy.
Confidentiality
Your financial situation is a sensitive matter. Keeping your file confidential is a priority for us.
Client results
Accepted consumer proposals
A few examples of settlements accepted by our clients’ creditors.
74% reduction
- Amount owed
- $23,366
- Accepted proposal
- $6,000
Creditors: Ministère de l'Éducation.
62% reduction
- Amount owed
- $19,916
- Accepted proposal
- $7,500
Creditors: Canadian Tire, Capital One.
These results are examples of individual files. Every situation is different and no reduction is guaranteed.
What our clients say
“They made it very clear and easy for me.”
“Her knowledge of insolvency and her solutions to my problems were a lifesaver!”
“André is a man with remarkable intelligence and an endearing personality.”
The consumer proposal
An agreement based on what you can actually pay
A consumer proposal is a Canadian partial repayment program under the Bankruptcy and Insolvency Act. Your trustee presents your creditors with an offer based on your ability to pay.
One monthly payment
Your unsecured debts are covered by a single, significantly reduced monthly payment.
Up to 5 years
The agreement spans a period of up to 5 years, based on your ability to pay.
An alternative to bankruptcy
You avoid bankruptcy through an agreement governed by law.
Rebuild your credit
Take back control of your finances, with the possibility of rebuilding your credit.
Only a Licensed Insolvency Trustee can administer a consumer proposal. If it does not suit your situation, your trustee will explain the other options provided by law.
How it works, in three steps
- 1
Free consultation
Fill out the form: a member of our team calls you back within 24 hours, in complete confidence.
- 2
Budget review
Together, we review your income and expenses to see whether a consumer proposal is viable.
- 3
Filing your proposal
Your Licensed Insolvency Trustee prepares the proposal, presents it to your creditors and supports you until the end.
The firm
André Gabbay & Associates Inc.
A Licensed Insolvency Trustee firm, André Gabbay & Associates Inc. brings together experienced professionals in accounting, bankruptcy, insolvency and taxation. Our mission: helping individuals and businesses facing financial difficulties.
60+years of combined experience
serving Greater Montréal, Laval and surrounding areas
Our offices
- Downtown Montréal
- Laval
- Longueuil
- Saint-Léonard
- Ville Saint-Laurent
- Pointe-Claire / West Island
- Delson / La Prairie / Candiac
- Québec City
Head office: 1130 Sherbrooke Street West, Suite 350, Montréal, QC H3A 2M8
Take the first step today
Free initial consultation, confidential and judgment-free.