Debt relief in Quebec City
In short
All five routes out of consumer debt are available to residents of Quebec City. Consumer proposals and bankruptcy are federal and work identically everywhere. Debt settlement and consolidation lending are regulated by Quebec, so the licensed providers you can use are the ones registered there.
Updated
Which routes apply in Quebec City?
Consumer proposal
A formal offer to your creditors, filed by a Licensed Insolvency Trustee.
Debt settlement
A licensed company negotiates with creditors on your behalf, for a fee.
Debt consolidation loan
One new loan pays out several balances, leaving a single payment.
Non-profit credit counselling
A counsellor reviews your budget and may set up a debt management plan.
Handle it yourself
For smaller balances, a plan and a payoff order often beats paying anyone.
Other cities in Quebec
About Quebec City
Quebec's capital, with a public-administration employment base and comparatively moderate housing costs.
Quebec City had about 549,459 residents at the 2021 Census.
Consumer proposals here work exactly as they do elsewhere in the country: the Bankruptcy and Insolvency Act is federal.
Who regulates providers serving Quebec City?
Quebec's Office de la protection du consommateur issues collection-agent permits and regulates debt-settlement merchants under the Consumer Protection Act.
Where is the nearest insolvency office?
The Office of the Superintendent of Bankruptcy division office serving Quebec City is in Quebec City. You do not need to visit one — Licensed Insolvency Trustees are found through the federal directory and routinely hold first consultations by phone or video.
Free resources
Find a Licensed Insolvency Trustee
The federal directory of Licensed Insolvency Trustees. Free, and the only route to a consumer proposal.
Find a non-profit credit counsellor
Non-profit member agencies. The first appointment is usually free.
Free budgeting tools
The federal budget planner. Costs nothing and needs no account.
Frequently asked questions
- Is a consumer proposal different in Quebec City?
- No. Consumer proposals are governed by the federal Bankruptcy and Insolvency Act, so the mechanism is the same in every province and territory. What differs is which Licensed Insolvency Trustees practise near you.
- How do I check a provider serving Quebec City is licensed?
- Ask for the licence number and the name of the body that issued it, then verify it directly with that body. Quebec's Office de la protection du consommateur issues collection-agent permits and regulates debt-settlement merchants under the Consumer Protection Act.
- Does this site cost anything in Quebec City?
- No. You are never charged. Licensed settlement companies and consolidation lenders pay us when we introduce you, and we are paid nothing for trustee and non-profit referrals.