Your money and your possessions

Voluntary deposit

By registering for voluntary deposit, a person in financial difficulties (known as the “debtor”) can voluntarily pay back his or her creditors on the basis of the amount owed to each creditor and the debtor’s ability to pay.

Voluntary deposit is also a way for the debtor to avoid seizure or bankruptcy. The debtor’s property become unseizable, provided the debtor respects his or her obligations.

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Seizure

If you are unable to pay back a debt, your creditor may apply to the courts for an order forcing you to pay the amount owed.

If the order is issued and you are still unable to pay the amount, your creditor may apply to seize your property or income in order to recover the money owed.

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Bankruptcy

Bankruptcy is a legal procedure that allows you to be released from most of your debts if you are insolvent and facing serious financial difficulties.

Bankruptcy may be voluntary or involuntary. In the case of a voluntary bankruptcy, your decision must be made after consulting a trustee in bankruptcy, who will then take charge of your case and ensure that the bankruptcy procedure follows its proper course.

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Power of attorney and protective supervision

The type of mandate presented here authorizes a person to carry out everyday administrative tasks on behalf of another person.

The Curateur public ensures that decisions are made in the interests of represented individuals, with a view to protecting their rights and safeguarding their autonomy.

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Co-ownership

The Chambre des notaires du Québec has created a website on co-ownership at the request of the Ministère de la Justice, in response to one of the recommendations made in the report by the advisory committee on co-ownership (2012).

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