Limits of the protection granted to the debtor

As the debtor, for as long as you comply with your undertaking your creditors will not be able to seize your property or income or sue you, and prescription of their right of action against you is suspended.

However, voluntary deposit does not protect you against:

  • imprisonment (if you fail to pay a fine);
  • suspension of your driver’s licence;
  • any other consequences of failing to pay your debts.

In addition, the protection provided by the voluntary deposit procedure applies only in Québec. A debtor’s property outside Québec is not protected.

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