Self-Employed Workers

For self-employed workers with debts in Montreal or other nearby cities, A.JB offers support services to find the most appropriate solution.

There are several advantages to being self-employed: being your own boss, financial freedom, working according to your availability and when you want, etc. However, the first few years of self-employment can sometimes be challenging.

Since income is often unstable and you need to manage your income taxes, it requires a lot of discipline to set aside part of your earnings to pay your taxes at the end of the year. This is in addition to covering fixed costs like rent, electricity, and phone bills, which are essential for the survival of your business.

A consumer proposal is an agreement with your creditors that allows you to suspend garnishment proceedings, make a settlement offer based on your ability to pay, and keep your assets while being released from unsecured debts like amounts owed on credit cards and lines of credit, overdue bills, personal loans, taxes, GST, and QST. A monthly payment will be made according to your budget, without interest, over a 5-year period.