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Consumer Services

Claude B. Gingras

Sometimes in life, we are faced with situations that have a direct impact on our finances:

  • Separation or divorce;
  • Job loss;
  • Serious illness or disability;
  • A bad purchasing decision;
  • Gambling, drinking or drug problem;
  • Etc.

    • We understand your difficulties all too well, and we give you the right advice for the right decision about the different solutions at your disposal. Our team is made up of compassionate, experienced advisors who can provide support during this difficult time and help you recover financial stability.

    Warning signs

    How can we tell if you are experiencing financial difficulties? Now, that’s an excellent question. To help us answer it, we have provided below a list of situations that should be warning signs of a problem ahead:

    • You spend more than you make and use your credit cards to make up the difference;
    • You borrow money to make ends meet between paydays;
    • Your salary has been seized to pay for outstanding debts;
    • You can only pay the interest and administrative fees on your credit cards or loans for several months without being able to pay off any of the capital;
    • Your creditors threaten to have your goods repossessed if they are not paid quickly;
    • Public utility companies cut off your services because you do not pay your bills.

    If you find yourself in one of these situations, it is perhaps time for you to contact us to avoid it getting worst. You might want to solve the problem yourself, and this is perfectly understandable. But, the more you wait, the fewer options you will have at your disposal to solve your financial difficulties.

    As a bankruptcy trustee company, Ginsberg, Gingras & associates inc. can inform you on the implications of each option available to you so that you can make an informed decision to solve your financial problems.