{"id":38193,"date":"2023-11-07T14:26:41","date_gmt":"2023-11-07T19:26:41","guid":{"rendered":"https:\/\/ginsberg-gingras.com\/?page_id=38193"},"modified":"2026-05-11T09:05:55","modified_gmt":"2026-05-11T13:05:55","slug":"too-much-debts-new","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/","title":{"rendered":"Too much debts &#8211; new"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"38193\" class=\"elementor elementor-38193 elementor-38192\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4cadee0 elementor-section-stretched elementor-section-height-min-height elementor-section-items-bottom elementor-section-content-middle no-pad banner-gradient-page banner-page banner-page-smaller elementor-section-boxed elementor-section-height-default\" data-id=\"4cadee0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a796a0e zhero_text_fix\" data-id=\"a796a0e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88d71cc elementor-widget elementor-widget-text-editor\" data-id=\"88d71cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>Free yourself from your debts<\/h1><p class=\"acs\">We resolve. You restart.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac2bbab newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac2bbab\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-82a7f39\" data-id=\"82a7f39\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5638d4f image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"5638d4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg\" title=\"Particulier &#8211; Re\u0301glez vos dettes &#8211; Consolidation dette\" alt=\"Particulier - Re\u0301glez vos dettes - Consolidation dette\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ec2a97\" data-id=\"6ec2a97\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-492362e elementor-widget elementor-widget-text-editor\" data-id=\"492362e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Debt consolidation<\/h2>\n<span style=\"font-weight: 400;\">For a large majority of people struggling with debt, the inability to see an end, debt consolidation is the first solution considered. However, lifestyle adjustments are necessary, and it is important to carefully assess the advantages and disadvantages of debt consolidation.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-2438ce0 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"2438ce0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/debt-consolidation\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-732b132 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"732b132\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-859c45d\" data-id=\"859c45d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c494686 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"c494686\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-Negociation-creancier-q0unu9y9ybsjlg23btfpc09n1hydk2oe74yzacx4qq.jpg\" title=\"Particulier &#8211; Re\u0301glez vos dettes &#8211; Ne\u0301gociation cre\u0301ancier\" alt=\"Particulier - Re\u0301glez vos dettes - Ne\u0301gociation cre\u0301ancier\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9ec3ddb\" data-id=\"9ec3ddb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b32b83d elementor-widget elementor-widget-text-editor\" data-id=\"b32b83d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Negociation with your creditors<\/h2>\n<span style=\"font-weight: 400;\">For people with few creditors or little debt, this option can be effective; it&#8217;s just a matter of communicating with one&#8217;s creditor and renegotiating the payment, frequency, or duration<\/span><span style=\"font-weight: 400;\">\u00a0<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-23485e1 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"23485e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/negotiation-with-creditors\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47d10c3 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47d10c3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-550d5e5\" data-id=\"550d5e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0870343 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"0870343\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/proposition-q18jit8826qpe8pfwylkk5vh30r4aywzq4e7nr50si.jpg\" title=\"proposition\" alt=\"proposition\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0fc562a\" data-id=\"0fc562a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0bafe21 elementor-widget elementor-widget-text-editor\" data-id=\"0bafe21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Consumer proposal<\/h2>\n<span style=\"font-weight: 400;\">In many cases, the consumer proposal allows an individual to keep their assets and repay their debts with a payment tailored to their budget. When other solutions fall short, we step in for you and negotiate the best agreement.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-a9080d5 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"a9080d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/consumer-proposal\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dcdb840 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dcdb840\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3c81b72\" data-id=\"3c81b72\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52c7db6 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"52c7db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-La-faillite-q0unu66x6zneb07jxrt7217snygwpa9gumd1d92pfm.jpg\" title=\"Particulier &#8211; Re\u0301glez vos dettes &#8211; La faillite\" alt=\"Particulier - Re\u0301glez vos dettes - La faillite\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-592caa6\" data-id=\"592caa6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65b3b2d elementor-widget elementor-widget-text-editor\" data-id=\"65b3b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Bankruptcy<\/h2>\n<span style=\"font-weight: 400;\">When the budget doesn&#8217;t allow for debt repayment and one deserves a fresh start, bankruptcy becomes an ideal solution. However, bankruptcy comes with its share of myths, and it&#8217;s important to discuss with us to understand the implications.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-662a7eb elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"662a7eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/bankruptcy\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4469245 newdesign-paletext newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4469245\" data-element_type=\"section\" data-e-type=\"section\" id=\"consultation-gratuite\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac188e0\" data-id=\"ac188e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b779d79 elementor-widget elementor-widget-text-editor\" data-id=\"b779d79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Free consultation?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c5c077 zcolor-main-palez elementor-widget elementor-widget-text-editor\" data-id=\"0c5c077\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLeave us your contact details and an advisor will get in touch with you within 24 hours.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12b86e0 newdesign-formulaire newdesign-formulaire-withtitle elementor-widget elementor-widget-shortcode\" data-id=\"12b86e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n\/* ]]> *\/\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework form-soumission_wrapper' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_9' ><div id='gf_9' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_9' id='gform_9' class='form-soumission' action='\/en\/wp-json\/wp\/v2\/pages\/38193#gf_9' data-formid='9' novalidate><div class='gf_invisible ginput_recaptchav3' data-sitekey='6LeRfrQoAAAAAJ544NJ-V27buktqjXp5ZoqSoDs7' data-tabindex='0'><input id=\"input_c1be3d2d2cc66e3cd85c0c31fd627f8c\" class=\"gfield_recaptcha_response\" type=\"hidden\" name=\"input_c1be3d2d2cc66e3cd85c0c31fd627f8c\" value=\"\"\/><\/div>\n                        <div class='gform-body gform_body'><ul id='gform_fields_9' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_9_8\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_8'>Instagram<\/label><div class='ginput_container'><input name='input_8' id='input_9_8' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_9_8'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_9_1\" class=\"gfield gfield--type-select gf_left_third modify field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_1'>Salutation<\/label><div class='ginput_container ginput_container_select'><select name='input_1' id='input_9_1' class='medium gfield_select'     aria-invalid=\"false\" ><option value='Mr.' selected='selected'>Mr.<\/option><option value='Mrs.' >Mrs.<\/option><\/select><\/div><\/li><li id=\"field_9_2\" class=\"gfield gfield--type-text gf_middle_third modify gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_2'>First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_9_2' type='text' value='' class='medium'    placeholder='First Name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_9_3\" class=\"gfield gfield--type-text gf_right_third modify gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_3'>Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_3' id='input_9_3' type='text' value='' class='medium'    placeholder='Last Name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_9_5\" class=\"gfield gfield--type-phone gf_right_half modify gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_5'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_5' id='input_9_5' type='tel' value='' class='large'  placeholder='Phone *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_9_6\" class=\"gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_6'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_6' id='input_9_6' type='email' value='' class='large'   placeholder='Email *' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_9_4\" class=\"gfield gfield--type-text gf_left_half modify gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_4'>City<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_4' id='input_9_4' type='text' value='' class='large'    placeholder='City *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_9_7\" class=\"gfield gfield--type-textarea field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_7'>Other information<\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_7' id='input_9_7' class='textarea medium'    placeholder='Other information'  aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_9' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Submit your inquiry'  \/> <input type='hidden' name='gform_ajax' value='form_id=9&amp;title=&amp;description=&amp;tabindex=49&amp;theme=legacy&amp;styles=[]&amp;hash=a956ae5afabf9fbe5fb66199a04c5f58' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_9' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_9' id='gform_theme_9' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_9' id='gform_style_settings_9' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_9' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='9' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='nxu\/bHyyrgos513NsDM0pNf38ydvVOQq+da+HqxNpD54H1gFlzMyjsi+eEKbReCoNZtRhXf\/1T5lW+p8cM\/2plowKFgUmrSbN8JAUL1WiiyxcOA=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_9' value='WyJbXSIsIjQzZjI1ZTQ1NjkyNzA3OTIxOTgxYjgzYTExNzI2MjUwIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_9' id='gform_target_page_number_9' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_9' id='gform_source_page_number_9' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <input type=\"hidden\" id=\"ct_checkjs_fe9fc289c3ff0af142b6d3bead98a923\" name=\"ct_checkjs\" value=\"0\" \/><script >setTimeout(function(){var ct_input_name = \"ct_checkjs_fe9fc289c3ff0af142b6d3bead98a923\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, '492caf6a6069e3db7cfa08a7ff6a2e5ddc54f801286abbacebbd7dfe1e21f8b1');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__gravity_form\"\n                    name=\"apbct__email_id__gravity_form\"\n                    aria-label=\"apbct__label_id__gravity_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_9' id='gform_ajax_frame_9' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 9, '\/wp-content\/uploads\/2023\/06\/transparent2.png', true );jQuery('#gform_ajax_frame_9').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_9');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_9').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_9').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_9').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_9').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_9').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_9').val();gformInitSpinner( 9, '\/wp-content\/uploads\/2023\/06\/transparent2.png', true );jQuery(document).trigger('gform_page_loaded', [9, current_page]);window['gf_submitting_9'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_9').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_9').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [9]);window['gf_submitting_9'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_9').text());}else{jQuery('#gform_9').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"9\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_9\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_9\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_9\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 9, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d015d4 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d015d4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b3cc4e6\" data-id=\"b3cc4e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f50e5f newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"9f50e5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Discover our tools<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-752879a newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"752879a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-92331e4\" data-id=\"92331e4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b534e0a image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"b534e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Analysez-votre-situation-Consultation-en-ligne-q0untioyg4r88r5oqznitp59tboqcuo6fe1wdc1jr6.jpg\" title=\"Particulier &#8211; Analysez votre situation &#8211; Consultation en ligne\" alt=\"Particulier - Analysez votre situation - Consultation en ligne\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3eaae23\" data-id=\"3eaae23\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1eded4 elementor-widget elementor-widget-text-editor\" data-id=\"a1eded4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Online consultation<\/h2><p>Whatever the cause of your financial stress\u2014be it a run of bad luck in business, market instability, divorce, the inability to cover your expenses, loss of a job or a key client, or one of many other reasons\u2014we\u2019re here to help.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-ee5f9ee elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"ee5f9ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/on-line-consultation\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7360dc3 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7360dc3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-347443f\" data-id=\"347443f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef18bd5 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"ef18bd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Analysez-votre-situation-Le-ratio-dendettement-q0untlih0mv37l1laivej6fnlhatzxzdfs0ct5xd8i.jpg\" title=\"Particulier &#8211; Analysez votre situation &#8211; Le ratio d&#8217;endettement\" alt=\"Particulier - Analysez votre situation - Le ratio d&#039;endettement\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2f0e57e\" data-id=\"2f0e57e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-06666b8 elementor-widget elementor-widget-text-editor\" data-id=\"06666b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Debt ratio<\/h2><p>The debt-to-income ratio, or debt ratio, is a unit of measure that allows you to compare income before taxes with total debt. This information is particularly useful when you plan to ask for a loan from a financial institution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-3595743 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"3595743\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/debt-ratio\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee259ef newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee259ef\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a519f3a\" data-id=\"a519f3a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68a5944 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"68a5944\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Analysez-votre-situation-Cout-reel-des-cartes-de-credits-q0untjmsmysikd4bli25e6wqepk3kjrwripdum05ky.jpg\" title=\"Particulier &#8211; Analysez votre situation &#8211; Cou\u0302t re\u0301el des cartes de cre\u0301dits\" alt=\"Particulier - Analysez votre situation - Cou\u0302t re\u0301el des cartes de cre\u0301dits\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a53f04d\" data-id=\"a53f04d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5095533 elementor-widget elementor-widget-text-editor\" data-id=\"5095533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Real cost of credit cards<\/h2>\nCredit cards have become practically indispensable today. Used with discipline, they are a positive payment tool for daily shopping, making larger purchases, accumulating reward points and even building a credit history.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-4f32ed7 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"4f32ed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/real-cost-of-credit-cards\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a4a8a2 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a4a8a2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9a866f3\" data-id=\"9a866f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7900c73 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"7900c73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Analysez-votre-situation-Budget-en-ligne-q0unthr49apxx571wh8w97dt7xtd55kg39eew22xxe.jpg\" title=\"Particulier &#8211; Analysez votre situation &#8211; Budget en ligne\" alt=\"Particulier - Analysez votre situation - Budget en ligne\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5c3c357\" data-id=\"5c3c357\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c35be9c elementor-widget elementor-widget-text-editor\" data-id=\"c35be9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Online budget<\/h2><p>The budget is a key financial management tool. It allows you to find out if your income is higher than your expenses each month. It helps you determine your capacity to consume and to know how much you can spend without incurring debts that you would be unable to pay back.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-5ee5478 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"5ee5478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/on-line-budget\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">For further information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d51c008 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d51c008\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a916c5e\" data-id=\"a916c5e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e83734 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0e83734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-94e97d9 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94e97d9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3910a01\" data-id=\"3910a01\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60a76b9 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"60a76b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/A-propos-de-nous-qedxjd9hfl6hqhhkhn042wmvfdgb0q8ljca0yfyfk2.jpg\" title=\"A-propos-de-nous.jpg\" alt=\"A-propos-de-nous.jpg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5242941\" data-id=\"5242941\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bded5d1 elementor-widget elementor-widget-text-editor\" data-id=\"bded5d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>About us<\/h2>\nGinsberg Gingras, a firm of licensed insolvency trustees (LIT), is a leader in the field of financial reorganization. We are serious about our commitment to quality services and are well-known for our professional and warm approach.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-3cec61a elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"3cec61a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/about\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-952ff00 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"952ff00\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b48e86\" data-id=\"0b48e86\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e16696f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e16696f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-308a716 block-gradient-stats block-stats newdesign-paletext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"308a716\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-15a902d\" data-id=\"15a902d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf7f873 elementor-widget elementor-widget-heading\" data-id=\"bf7f873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">To get a good night's sleep, <br class=\"br\">book an appointment now!\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1b51830\" data-id=\"1b51830\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-fa87fdc elementor-align-justify elementor-mobile-align-justify elementor-widget-mobile__width-inherit newdesign-button elementor-widget elementor-widget-button\" data-id=\"fa87fdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+18554422433\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">1 855 442-2433<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-1770451 elementor-align-justify elementor-mobile-align-justify elementor-widget-mobile__width-inherit newdesign-button elementor-widget elementor-widget-button\" data-id=\"1770451\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#consultation-gratuite\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-3c60142 elementor-align-justify elementor-mobile-align-justify elementor-widget-mobile__width-inherit newdesign-button elementor-widget elementor-widget-button\" data-id=\"3c60142\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/book-an-appointment\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Online appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Free yourself from your debts Debt consolidation For a large majority of people struggling with debt, the inability to see an end, debt consolidation is the first solution considered. However, lifestyle adjustments are necessary, and it is important to carefully assess the advantages and disadvantages of debt consolidation. For further information Negociation with your creditors [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-38193","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Too much debts - new | Ginsberg Gingras<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Too much debts - new\" \/>\n<meta property=\"og:description\" content=\"Free yourself from your debts Debt consolidation For a large majority of people struggling with debt, the inability to see an end, debt consolidation is the first solution considered. However, lifestyle adjustments are necessary, and it is important to carefully assess the advantages and disadvantages of debt consolidation. For further information Negociation with your creditors [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/\" \/>\n<meta property=\"og:site_name\" content=\"Ginsberg Gingras\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GinsbergGingras\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-11T13:05:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@GinsbergGingras\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/\",\"url\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/\",\"name\":\"Too much debts - new | Ginsberg Gingras\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ginsberg-gingras.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg\",\"datePublished\":\"2023-11-07T19:26:41+00:00\",\"dateModified\":\"2026-05-11T13:05:55+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/#primaryimage\",\"url\":\"https:\\\/\\\/ginsberg-gingras.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg\",\"contentUrl\":\"https:\\\/\\\/ginsberg-gingras.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/too-much-debts-new\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Too much debts &#8211; new\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/\",\"name\":\"Ginsberg Gingras\",\"description\":\"Syndics autoris\u00e9s en insolvabilit\u00e9\",\"publisher\":{\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/#organization\",\"name\":\"Ginsberg Gingras\",\"url\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/ginsberg-gingras.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/gingsbergingras-logo-vert.svg\",\"contentUrl\":\"https:\\\/\\\/ginsberg-gingras.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/gingsbergingras-logo-vert.svg\",\"width\":178,\"height\":60,\"caption\":\"Ginsberg Gingras\"},\"image\":{\"@id\":\"https:\\\/\\\/ginsberg-gingras.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/GinsbergGingras\",\"https:\\\/\\\/x.com\\\/GinsbergGingras\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/ginsberg-gingras-&amp;-associ-s-inc-\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCXYExjedrlMcHc7zQVt4-fw\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Too much debts - new | Ginsberg Gingras","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/","og_locale":"en_US","og_type":"article","og_title":"Too much debts - new","og_description":"Free yourself from your debts Debt consolidation For a large majority of people struggling with debt, the inability to see an end, debt consolidation is the first solution considered. However, lifestyle adjustments are necessary, and it is important to carefully assess the advantages and disadvantages of debt consolidation. For further information Negociation with your creditors [&hellip;]","og_url":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/","og_site_name":"Ginsberg Gingras","article_publisher":"https:\/\/www.facebook.com\/GinsbergGingras","article_modified_time":"2026-05-11T13:05:55+00:00","og_image":[{"url":"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_site":"@GinsbergGingras","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/","url":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/","name":"Too much debts - new | Ginsberg Gingras","isPartOf":{"@id":"https:\/\/ginsberg-gingras.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/#primaryimage"},"image":{"@id":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/#primaryimage"},"thumbnailUrl":"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg","datePublished":"2023-11-07T19:26:41+00:00","dateModified":"2026-05-11T13:05:55+00:00","breadcrumb":{"@id":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/#primaryimage","url":"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg","contentUrl":"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/elementor\/thumbs\/Particulier-Reglez-vos-dettes-Consolidation-dette-q0unu59305m3ze8x39ekhjgc2kljhl5qihpjvz43lu.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/ginsberg-gingras.com\/en\/too-much-debts-new\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ginsberg-gingras.com\/en\/"},{"@type":"ListItem","position":2,"name":"Too much debts &#8211; new"}]},{"@type":"WebSite","@id":"https:\/\/ginsberg-gingras.com\/en\/#website","url":"https:\/\/ginsberg-gingras.com\/en\/","name":"Ginsberg Gingras","description":"Syndics autoris\u00e9s en insolvabilit\u00e9","publisher":{"@id":"https:\/\/ginsberg-gingras.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ginsberg-gingras.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ginsberg-gingras.com\/en\/#organization","name":"Ginsberg Gingras","url":"https:\/\/ginsberg-gingras.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ginsberg-gingras.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/05\/gingsbergingras-logo-vert.svg","contentUrl":"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/05\/gingsbergingras-logo-vert.svg","width":178,"height":60,"caption":"Ginsberg Gingras"},"image":{"@id":"https:\/\/ginsberg-gingras.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/GinsbergGingras","https:\/\/x.com\/GinsbergGingras","https:\/\/www.linkedin.com\/company\/ginsberg-gingras-&amp;-associ-s-inc-","https:\/\/www.youtube.com\/channel\/UCXYExjedrlMcHc7zQVt4-fw"]}]}},"_links":{"self":[{"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/pages\/38193","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/comments?post=38193"}],"version-history":[{"count":6,"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/pages\/38193\/revisions"}],"predecessor-version":[{"id":45273,"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/pages\/38193\/revisions\/45273"}],"wp:attachment":[{"href":"https:\/\/ginsberg-gingras.com\/en\/wp-json\/wp\/v2\/media?parent=38193"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}