{"id":42658,"date":"2025-11-10T15:10:03","date_gmt":"2025-11-10T20:10:03","guid":{"rendered":"https:\/\/ginsberg-gingras.com\/?page_id=42658"},"modified":"2025-11-14T08:53:15","modified_gmt":"2025-11-14T13:53:15","slug":"overwhelmed-by-debt","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/overwhelmed-by-debt\/","title":{"rendered":"Overwhelmed by debt?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"42658\" class=\"elementor elementor-42658 elementor-42657\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fed88ad no-pad banner-gradient-page banner-page e-flex e-con-boxed e-con e-parent\" data-id=\"fed88ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-481d43c hero_text_fix e-con-full e-flex e-con e-child\" data-id=\"481d43c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0b99aa elementor-widget elementor-widget-text-editor\" data-id=\"e0b99aa\" 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>Overwhelmed by debt? You\u2019re not alone.<\/h1>\n<p class=\"p1\">And you\u2019re not out of options<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d26a94f hero_image_fix e-con-full e-flex e-con e-child\" data-id=\"d26a94f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eecb15b dce_masking-none elementor-widget elementor-widget-image\" data-id=\"eecb15b\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/trop-de-dettes-hero-600-1.jpg\" class=\"attachment-full size-full wp-image-42823\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/trop-de-dettes-hero-600-1.jpg 600w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/trop-de-dettes-hero-600-1-300x300.jpg 300w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/trop-de-dettes-hero-600-1-150x150.jpg 150w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/trop-de-dettes-hero-600-1-500x500.jpg 500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e57085 newdesign-darktext e-flex e-con-boxed e-con e-parent\" data-id=\"4e57085\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0eec479 elementor-widget elementor-widget-text-editor\" data-id=\"0eec479\" 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>Talk privately with a Licensed Insolvency Trustee to map a clear path forward.<\/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-133482a zcolor-main-palez elementor-widget elementor-widget-text-editor\" data-id=\"133482a\" 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<p class=\"p1\">Start with a 10-minute conversation<\/p>\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-54d8c29 zcolor-main-palez elementor-widget elementor-widget-text-editor\" data-id=\"54d8c29\" 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<p class=\"p1\">Debt stress shows up everywhere\u2014sleepless nights, minimum payments that never move the needle, calls you don\u2019t want to answer. What you need now is clarity: what can stop the spiral, fit your budget, and get you to debt-free with a timeline you can see.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a942a7 e-con-full e-flex e-con e-child\" data-id=\"7a942a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-12364e7 e-con-full e-flex e-con e-child\" data-id=\"12364e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52eff47 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"52eff47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 92 92\"><path d=\"M22.5382,20.218l-5.7988-3.748c-.9228-.627-2.291-.2803-2.8026.7119L1.1477,40.6174c-.492.9014-.2018,2.0439.6608,2.6016l5.7985,3.748c.9231.627,2.2907.2793,2.8026-.7119l12.7892-23.4355c.4923-.9014.2018-2.0449-.6606-2.6025v.001Z\" style=\"fill: #1c4543;\"><\/path><path 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style=\"fill: #1c4543;\"><\/path><path d=\"M40.1901,67.5442c-.5677-.4746-2.7022-1.2705-4.5226.624l-1.5012,2.1064c-1.085,1.5225-.8095,3.7021.6139,4.8584,1.3493,1.1367,3.4253.832,4.4453-.6025l1.5399-2.0752c1.1337-1.5293.8758-3.7324-.5754-4.9111Z\" style=\"fill: #1c4543;\"><\/path><path d=\"M34.8447,60.1731c-1.7258-1.3359-3.8359-.2139-4.4453.6084l-3.8732,5.2119c-1.1428,1.5381-.855,3.8115.628,4.9658,1.3693,1.1924,3.523.8818,4.5432-.6191l3.7707-5.292c1.0909-1.5303.8345-3.7461-.6232-4.875h0Z\" style=\"fill: #1c4543;\"><\/path><path d=\"M90.934,40.4046l-11.8779-23.9785c-.3222-.6699-1.715-1.5273-2.7756-.8203l-5.9034,3.5078c-.8812.5234-1.2151,1.6533-.7601,2.5723l11.8771,23.9775c.4726,1.0127,1.8287,1.4141,2.7756.8203l5.9034-3.5078c.8815-.5234,1.2154-1.6533.7604-2.5713h.0004Z\" style=\"fill: #1c4543;\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConfidential\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b73ec7 e-con-full e-flex e-con e-child\" data-id=\"7b73ec7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5fe97b elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f5fe97b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNo obligation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9573ee3 e-con-full e-flex e-con e-child\" data-id=\"9573ee3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19afc6f elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"19afc6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 92 92\"><path d=\"M27.7773,73.921c-.4075,0-.7444-.3359-.7444-.7441v-1.4795c0-.416.3367-.7441.7444-.7441h9.8165c.4075,0,.744.3369.744.7441v1.4795c0,.4082-.3367.7441-.744.7441h-9.8165ZM41.4565,73.921c-.4075,0-.744-.3359-.744-.7441v-1.4795c0-.416.3365-.7441.744-.7441h9.8165c.4075,0,.744.3369.744.7441v1.4795c0,.4082-.3365.7441-.744.7441h-9.8165ZM55.1357,73.921c-.4077,0-.7443-.3359-.7443-.7441v-1.4795c0-.416.3365-.7441.7443-.7441h9.8159c.4075,0,.7443.3369.7443.7441v1.4795c0,.4082-.3365.7441-.7443.7441h-9.8159ZM68.8235,73.921c-.4164,0-.7533-.3359-.7533-.7441v-1.4883c0-.4072.3367-.7441.7533-.7441h9.8074c.4077,0,.7443.3369.7443.7441v1.4883c0,.4082-.3365.7441-.7443.7441h-9.8074ZM79.3843,54.5021v-6.4053c0-.417-.3279-.7441-.7444-.7441h-14.3254c-.4077,0-.7443.3359-.7443.7441v6.4053c0,.4072.3365.7441.7443.7441h14.3254c.3988,0,.7444-.3281.7444-.7441ZM24.5708,40.4152c-2.6667,0-4.8373,2.1797-4.8373,4.8467v31.4688c0,2.666,2.1705,4.8369,4.8373,4.8369h55.9911c2.6667,0,4.8459-2.1797,4.8459-4.8369v-31.4688c0-2.667-2.1793-4.8467-4.8459-4.8467H24.5708ZM10.3956,22.839l54.6093-12.2881c2.6046-.585,5.2003,1.0537,5.7853,3.6582l5.7231,25.2939h-3.4197l-2.5959-11.4551-57.5417,13.0498,3.5616,15.707.3188,1.3916c.1239.5576.6823.9209,1.2493.7881l.425-.0977v3.3486l-.062.0186c-2.1615.4873-4.3145-.8857-4.8105-3.0381l-6.9188-30.582c-.2925-1.3027-.0797-2.5254.6292-3.6592.7086-1.1338,1.7454-1.8428,3.0474-2.1348l-.0002-.001ZM10.8742,31.8576l57.5419-13.0498-.7975-3.5176c-.2217-1.001-1.2314-1.6309-2.2236-1.4092L11.4681,26.0275c-1.0011.2217-1.6301,1.2227-1.4087,2.2236.2744,1.1953.5405,2.4102.8151,3.6055l-.0004.001Z\" style=\"fill: #1c4543; fill-rule: evenodd;\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNo impact on your credit&nbsp;score\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c70da09 zcolor-main-palez elementor-widget elementor-widget-text-editor\" data-id=\"c70da09\" 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<p class=\"p1\"><strong>With Ginsberg Gingras, you can expect:<\/strong><\/p>\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-6304bd7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6304bd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A calm, friendly review of your full situation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A realistic plan that fits your income and goals<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Clear next steps, explained in plain language<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8e81e3 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"b8e81e3\" 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\">\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\">Start with a 10-minute conversation<\/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\t\t<\/div>\n\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-6b87202 newdesign-paletext trop_de_dettes_bg_vert e-flex e-con-boxed e-con e-parent\" data-id=\"6b87202\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92425f elementor-widget elementor-widget-text-editor\" data-id=\"b92425f\" 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><b>Path to relief (side-by-side, no pressure)<\/b><\/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-acb8b6f zcolor-main-palez elementor-widget elementor-widget-text-editor\" data-id=\"acb8b6f\" 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<p><span style=\"font-weight: 400;\">Every situation is different. We compare <\/span><b>regulated and informal<\/b><span style=\"font-weight: 400;\"> approaches so you understand potential effects on monthly payments, timelines, creditor actions, assets, and credit.<\/span><\/p>\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-2ac1927 zcolor-main-palez elementor-widget elementor-widget-text-editor\" data-id=\"2ac1927\" 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<p><b>What we\u2019ll cover together:<\/b><\/p>\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-0c92691 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0c92691\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Your starting point:<\/strong> balances, income, essential expenses<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Your priorities:<\/strong> protecting essentials, stopping calls, finishing on time<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Your options:<\/strong> side-by-side comparisons with trade-offs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Your decision:<\/strong> you choose the path; we handle the paperwork<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3db0703 elementor-align-left newdesign-button newdesign-button-vert elementor-widget elementor-widget-button\" data-id=\"3db0703\" 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\">\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\">See my best-fit options<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d978ea1 newdesign-darktext e-flex e-con-boxed e-con e-parent\" data-id=\"d978ea1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2225c76 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"2225c76\" 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>Our Solutions<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4747297 newdesign-darktext e-con-full e-flex e-con e-child\" data-id=\"4747297\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-e6dc590 e-con-full e-flex e-con e-child\" data-id=\"e6dc590\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10ae356 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"10ae356\" 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\" width=\"499\" height=\"509\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Particulier-Reglez-vos-dettes-Le-depot-volontaire-Bloc-1-2.jpg\" class=\"attachment-full size-full wp-image-42853\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Particulier-Reglez-vos-dettes-Le-depot-volontaire-Bloc-1-2.jpg 499w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Particulier-Reglez-vos-dettes-Le-depot-volontaire-Bloc-1-2-294x300.jpg 294w\" sizes=\"(max-width: 499px) 100vw, 499px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-273c17a e-con-full e-flex e-con e-child\" data-id=\"273c17a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40cb2ee elementor-widget elementor-widget-text-editor\" data-id=\"40cb2ee\" 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><p class=\"p1\">If your credit and income qualify, consolidating multiple debts into a single lower-interest loan can simplify payments and reduce interest costs. It does not reduce the principal you owe and approval depends on creditworthiness.<\/p><p class=\"p1\"><strong>Best for:<\/strong><\/p>\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-a3f8518 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a3f8518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Stable income.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Decent credit.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Smaller overall debt.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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-0a6cbdd elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"0a6cbdd\" 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\">\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-642c239 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"642c239\" 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<div class=\"elementor-element elementor-element-fbbdd92 newdesign-darktext e-con-full e-flex e-con e-child\" data-id=\"fbbdd92\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-d08f349 e-con-full e-flex e-con e-child\" data-id=\"d08f349\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f654f4 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"7f654f4\" 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\" width=\"499\" height=\"509\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Particulier-Qui-nous-sommes-A-propos-2.jpg\" class=\"attachment-full size-full wp-image-42865\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Particulier-Qui-nous-sommes-A-propos-2.jpg 499w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Particulier-Qui-nous-sommes-A-propos-2-294x300.jpg 294w\" sizes=\"(max-width: 499px) 100vw, 499px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce4557b e-con-full e-flex e-con e-child\" data-id=\"ce4557b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7efded9 elementor-widget elementor-widget-text-editor\" data-id=\"7efded9\" 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>Negotiation with Creditors<\/h2><p class=\"p1\">We work directly with your creditors to reduce interest, waive fees, or restructure payments. Results vary by creditor and aren\u2019t guaranteed\u2014but our experience improves your odds.<\/p><p class=\"p1\"><strong>Best for:<\/strong><\/p>\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-5c279fd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5c279fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A few specific debts.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Early-stage hardship.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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-eed6cf9 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"eed6cf9\" 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\">\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-040b416 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"040b416\" 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<div class=\"elementor-element elementor-element-16f211f newdesign-darktext e-con-full e-flex e-con e-child\" data-id=\"16f211f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6a9042f e-con-full e-flex e-con e-child\" data-id=\"6a9042f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1e9cc image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"1e1e9cc\" 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 loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Prososition-1-2.jpg\" class=\"attachment-full size-full wp-image-42877\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Prososition-1-2.jpg 640w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/Prososition-1-2-300x225.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-64a0802 e-con-full e-flex e-con e-child\" data-id=\"64a0802\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23fc4cb elementor-widget elementor-widget-text-editor\" data-id=\"23fc4cb\" 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 <em style=\"font-size: 60%;\">(our recommended option)<\/em><\/h2><p class=\"p1\">A Consumer Proposal is a legally binding agreement with your creditors, arranged by a Licensed Insolvency Trustee. You repay only a portion of what you owe, in a single monthly payment, over up to 5 years\u2014interest-free. Once accepted, creditors must stop collection actions.<\/p><p class=\"p1\"><strong>Why many choose a Consumer Proposal:<\/strong><\/p>\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-3e0262f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3e0262f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Reduce what you owe (not just the interest)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Keep your assets in most cases<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No interest and a clear, fixed end date<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Protect your credit rating from further damage versus ongoing arrears<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Stop calls and garnishments once filed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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-14db201 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"14db201\" 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\">\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-700d5cb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"700d5cb\" 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<div class=\"elementor-element elementor-element-103a5ae newdesign-darktext e-con-full e-flex e-con e-child\" data-id=\"103a5ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-110772e e-con-full e-flex e-con e-child\" data-id=\"110772e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0646b20 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"0646b20\" 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 loading=\"lazy\" decoding=\"async\" width=\"333\" height=\"333\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/proposition-2.jpg\" class=\"attachment-full size-full wp-image-42889\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/proposition-2.jpg 333w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/proposition-2-300x300.jpg 300w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/proposition-2-150x150.jpg 150w\" sizes=\"(max-width: 333px) 100vw, 333px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-3226104 e-con-full e-flex e-con e-child\" data-id=\"3226104\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd46a5d elementor-widget elementor-widget-text-editor\" data-id=\"dd46a5d\" 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><p class=\"p1\">Bankruptcy provides the strongest legal reset if your situation is severe. It stops collection actions and addresses unmanageable debt. We explain the process clearly so you understand duties, timelines, and what you may keep.<\/p><p class=\"p1\"><strong>Best for:<\/strong><\/p>\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-1d3e57e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1d3e57e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">When a Consumer Proposal isn\u2019t feasible.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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-2eef53d elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"2eef53d\" 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\">\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-161f0aa newdesign-paletext trop_de_dettes_bg_gris e-flex e-con-boxed e-con e-parent\" data-id=\"161f0aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2715af0 elementor-widget elementor-widget-text-editor\" data-id=\"2715af0\" 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>Why Ginsberg Gingras<\/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-5e2d84d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5e2d84d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Licensed Insolvency Trustees:<\/strong> Canada\u2019s regulated professionals for formal debt solutions<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Human first:<\/strong> empathetic guidance, zero shaming<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Transparent:<\/strong> fees and steps explained before you decide<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>End-to-end support:<\/strong> from first call to your final payment<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fe3ec4 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"5fe3ec4\" 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\">\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\">Talk to a Licensed Insolvency Trustee<\/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\t\t<\/div>\n\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-ec54c90 newdesign-paletext trop_de_dettes_bg_vert e-flex e-con-boxed e-con e-parent\" data-id=\"ec54c90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7737993 elementor-widget elementor-widget-text-editor\" data-id=\"7737993\" 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>How It Works<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75d30dd e-grid e-con-full e-con e-child\" data-id=\"75d30dd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55d2cea elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"55d2cea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 71 78\"><path d=\"M49.7905,38.0851c-5.3449,0-9.7058,4.3638-9.7058,9.7153,0,3.4634,1.8299,6.5156,4.573,8.2363-5.9977,2.1128-10.2944,7.8306-10.2944,14.562v5.4644c0,.3115.1222.6138.3441.8359.2219.2217.5242.3442.8362.3442h28.4841c.3119,0,.6142-.1226.8362-.3442.2219-.2217.3441-.5244.3441-.8359v-5.4644c0-6.7305-4.29-12.4448-10.2841-14.562,2.74-1.7207,4.5634-4.7725,4.5634-8.2363,0-5.3481-4.3512-9.7153-9.6955-9.7153h-.0013ZM16.7921,20.2785c-5.3449,0-9.6989,4.3638-9.6989,9.7153,0,3.4634,1.8266,6.5122,4.5634,8.2295-5.9945,2.1157-10.2841,7.8369-10.2841,14.5679v5.4639c0,.312.1222.6108.3409.833.2219.2217.521.3472.833.3472h28.493c.312,0,.6142-.1221.8362-.3442.2219-.2217.3441-.5239.3441-.8359v-5.4639c0-6.731-4.2933-12.4487-10.291-14.5679,2.74-1.7173,4.5698-4.7661,4.5698-8.2295,0-5.3481-4.3608-9.7153-9.7058-9.7153h-.0006ZM38.7023,18.2135c-.3119.0034-.611.1289-.8297.3506-.2187.2188-.3409.521-.3409.833.0032.6431.5242,1.1675,1.1706,1.1704h15.7582c.6464-.0029,1.1706-.5273,1.1706-1.1704.0032-.312-.119-.6143-.3409-.833-.2187-.2217-.5178-.3472-.8297-.3506h-15.7581ZM38.7023,11.216c-.6464.0029-1.1706.5273-1.1706,1.1738,0,.312.1222.6108.3409.833.2187.2217.5178.3472.8297.3472h15.7582c.312,0,.611-.1255.8297-.3472.2219-.2222.3441-.521.3409-.833,0-.6465-.5242-1.1709-1.1706-1.1738h-15.7584ZM34.3543,1.9699c-2.9232,0-5.3128,2.3896-5.3128,5.313v17.2148c0,2.9233,2.3894,5.3125,5.3128,5.3125h3.0905v5.1938c-.0032.4536.2573.8652.6657,1.061.4052.1963.8908.1416,1.2446-.1411l7.6311-6.1138h11.825c2.9233,0,5.3224-2.3892,5.3224-5.3125V7.2828c0-2.9233-2.3991-5.313-5.3224-5.313h-24.4569Z\" style=\"fill: #9cfc4d;\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFree confidential assessment\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tShare your situation with a trustee. No obligation, no credit impact for the consultation.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d01587 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1d01587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 71 78\"><path d=\"M28.8111,30.9037c-.8414,0-1.5255-.6836-1.5255-1.5254,0-.8413.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8418-.684,1.5254-1.5254,1.5254h-18.4218ZM12.3696,44.5121c-.5963-.5962-.5963-1.5615,0-2.1577.5964-.5942,1.5614-.5942,2.1577,0l3.1746,3.1768,6.0582-6.0562c.5942-.5962,1.5614-.5962,2.1558,0,.5963.5942.5963,1.5615,0,2.1558l-7.1351,7.1353c-.5964.5962-1.5614.5962-2.1557,0l-4.2535-4.2539h-.002ZM28.8111,46.8471c-.8414,0-1.5255-.6841-1.5255-1.5254s.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8438-.684,1.5254-1.5254,1.5254h-18.4218ZM12.3696,60.453c-.5963-.5942-.5963-1.561,0-2.1558.5964-.5962,1.5614-.5962,2.1577,0l3.1746,3.1768,6.0582-6.0581c.5942-.5942,1.5614-.5942,2.1558,0,.5963.5962.5963,1.561,0,2.1577l-7.1351,7.1348c-.5964.5942-1.5614.5942-2.1557,0l-4.2556-4.2554ZM28.8111,62.7885c-.8414,0-1.5255-.6841-1.5255-1.5259,0-.8413.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8418-.684,1.5259-1.5254,1.5259h-18.4218ZM12.3696,28.5707c-.5963-.5942-.5963-1.561,0-2.1558.5964-.5962,1.5614-.5962,2.1577,0l3.1746,3.1748,6.0582-6.0562c.5942-.5942,1.5614-.5942,2.1558,0,.5963.5967.5963,1.5615,0,2.1577l-7.1351,7.1353c-.5964.5942-1.5614.5942-2.1557,0l-4.2556-4.2559ZM9.8071,11.5765h41.0671c1.6611,0,3.1727.6802,4.2654,1.7729,1.0949,1.0947,1.7728,2.604,1.7728,4.2671v53.0103c0,1.6611-.68,3.1729-1.7728,4.2676-1.0927,1.0928-2.6043,1.7729-4.2654,1.7729H9.8071c-1.6611,0-3.1727-.6802-4.2654-1.7729-1.0948-1.0947-1.7728-2.6045-1.7728-4.2676V17.6166c0-1.6611.6801-3.1729,1.7728-4.2671,1.0927-1.0928,2.6043-1.7729,4.2654-1.7729Z\" style=\"fill: #9cfc4d; fill-rule: evenodd;\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPersonalized plan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe compare options so you see payments, timelines, and trade-offs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d54de73 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d54de73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 71 78\"><path d=\"M28.8111,30.9037c-.8414,0-1.5255-.6836-1.5255-1.5254,0-.8413.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8418-.684,1.5254-1.5254,1.5254h-18.4218ZM12.3696,44.5121c-.5963-.5962-.5963-1.5615,0-2.1577.5964-.5942,1.5614-.5942,2.1577,0l3.1746,3.1768,6.0582-6.0562c.5942-.5962,1.5614-.5962,2.1558,0,.5963.5942.5963,1.5615,0,2.1558l-7.1351,7.1353c-.5964.5962-1.5614.5962-2.1557,0l-4.2535-4.2539h-.002ZM28.8111,46.8471c-.8414,0-1.5255-.6841-1.5255-1.5254s.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8438-.684,1.5254-1.5254,1.5254h-18.4218ZM12.3696,60.453c-.5963-.5942-.5963-1.561,0-2.1558.5964-.5962,1.5614-.5962,2.1577,0l3.1746,3.1768,6.0582-6.0581c.5942-.5942,1.5614-.5942,2.1558,0,.5963.5962.5963,1.561,0,2.1577l-7.1351,7.1348c-.5964.5942-1.5614.5942-2.1557,0l-4.2556-4.2554ZM28.8111,62.7885c-.8414,0-1.5255-.6841-1.5255-1.5259,0-.8413.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8418-.684,1.5259-1.5254,1.5259h-18.4218ZM12.3696,28.5707c-.5963-.5942-.5963-1.561,0-2.1558.5964-.5962,1.5614-.5962,2.1577,0l3.1746,3.1748,6.0582-6.0562c.5942-.5942,1.5614-.5942,2.1558,0,.5963.5967.5963,1.5615,0,2.1577l-7.1351,7.1353c-.5964.5942-1.5614.5942-2.1557,0l-4.2556-4.2559ZM9.8071,11.5765h41.0671c1.6611,0,3.1727.6802,4.2654,1.7729,1.0949,1.0947,1.7728,2.604,1.7728,4.2671v53.0103c0,1.6611-.68,3.1729-1.7728,4.2676-1.0927,1.0928-2.6043,1.7729-4.2654,1.7729H9.8071c-1.6611,0-3.1727-.6802-4.2654-1.7729-1.0948-1.0947-1.7728-2.6045-1.7728-4.2676V17.6166c0-1.6611.6801-3.1729,1.7728-4.2671,1.0927-1.0928,2.6043-1.7729,4.2654-1.7729Z\" style=\"fill: #9cfc4d; fill-rule: evenodd;\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFile or implement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOnce filed, collection calls and legal actions generally must stop. You make one predictable payment.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c3f6da elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1c3f6da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 71 78\"><path d=\"M28.8111,30.9037c-.8414,0-1.5255-.6836-1.5255-1.5254,0-.8413.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8418-.684,1.5254-1.5254,1.5254h-18.4218ZM12.3696,44.5121c-.5963-.5962-.5963-1.5615,0-2.1577.5964-.5942,1.5614-.5942,2.1577,0l3.1746,3.1768,6.0582-6.0562c.5942-.5962,1.5614-.5962,2.1558,0,.5963.5942.5963,1.5615,0,2.1558l-7.1351,7.1353c-.5964.5962-1.5614.5962-2.1557,0l-4.2535-4.2539h-.002ZM28.8111,46.8471c-.8414,0-1.5255-.6841-1.5255-1.5254s.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8438-.684,1.5254-1.5254,1.5254h-18.4218ZM12.3696,60.453c-.5963-.5942-.5963-1.561,0-2.1558.5964-.5962,1.5614-.5962,2.1577,0l3.1746,3.1768,6.0582-6.0581c.5942-.5942,1.5614-.5942,2.1558,0,.5963.5962.5963,1.561,0,2.1577l-7.1351,7.1348c-.5964.5942-1.5614.5942-2.1557,0l-4.2556-4.2554ZM28.8111,62.7885c-.8414,0-1.5255-.6841-1.5255-1.5259,0-.8413.684-1.5254,1.5255-1.5254h18.4218c.8414,0,1.5254.6841,1.5254,1.5254,0,.8418-.684,1.5259-1.5254,1.5259h-18.4218ZM12.3696,28.5707c-.5963-.5942-.5963-1.561,0-2.1558.5964-.5962,1.5614-.5962,2.1577,0l3.1746,3.1748,6.0582-6.0562c.5942-.5942,1.5614-.5942,2.1558,0,.5963.5967.5963,1.5615,0,2.1577l-7.1351,7.1353c-.5964.5942-1.5614.5942-2.1557,0l-4.2556-4.2559ZM9.8071,11.5765h41.0671c1.6611,0,3.1727.6802,4.2654,1.7729,1.0949,1.0947,1.7728,2.604,1.7728,4.2671v53.0103c0,1.6611-.68,3.1729-1.7728,4.2676-1.0927,1.0928-2.6043,1.7729-4.2654,1.7729H9.8071c-1.6611,0-3.1727-.6802-4.2654-1.7729-1.0948-1.0947-1.7728-2.6045-1.7728-4.2676V17.6166c0-1.6611.6801-3.1729,1.7728-4.2671,1.0927-1.0928,2.6043-1.7729,4.2654-1.7729Z\" style=\"fill: #9cfc4d; fill-rule: evenodd;\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRebuild with confidence\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe guide you through budgeting and credit rebuilding so you can move forward faster.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cda6b8 elementor-align-left newdesign-button newdesign-button-vert elementor-widget elementor-widget-button\" data-id=\"0cda6b8\" 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\">\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\">Begin my free assessment<\/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\t\t<\/div>\n\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-85bca9c newdesign-paletext trop_de_dettes_bg_gris e-flex e-con-boxed e-con e-parent\" data-id=\"85bca9c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-075397d elementor-widget elementor-widget-text-editor\" data-id=\"075397d\" 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>Frequently Asked Questions<\/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-0cf9ad1 trop_de_dettes_accordeon elementor-widget elementor-widget-n-accordion\" data-id=\"0cf9ad1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1360\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1360\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What debts can be included? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><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><\/span>\n\t\t\t<span class='e-closed'><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><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1360\" class=\"elementor-element elementor-element-9d9d732 e-con-full e-flex e-con e-child\" data-id=\"9d9d732\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c250fd elementor-widget elementor-widget-text-editor\" data-id=\"7c250fd\" 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<p><span style=\"font-weight: 400;\">Most unsecured debts (credit cards, lines of credit, personal loans, payday loans, some tax debts). We\u2019ll confirm your exact mix.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1361\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1361\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Will people find out? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><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><\/span>\n\t\t\t<span class='e-closed'><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><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1361\" class=\"elementor-element elementor-element-1b3575f e-con-full e-flex e-con e-child\" data-id=\"1b3575f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-997a6ff elementor-widget elementor-widget-text-editor\" data-id=\"997a6ff\" 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<p><span style=\"font-weight: 400;\">Your consultation is private and confidential.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1362\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1362\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What about my credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><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><\/span>\n\t\t\t<span class='e-closed'><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><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1362\" class=\"elementor-element elementor-element-3086cb6 e-con-full e-flex e-con e-child\" data-id=\"3086cb6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51f285f elementor-widget elementor-widget-text-editor\" data-id=\"51f285f\" 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<p><span style=\"font-weight: 400;\">Different options affect credit differently. We explain the impact and how to rebuild\u2014often sooner than you think.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1363\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1363\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How fast can we start? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><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><\/span>\n\t\t\t<span class='e-closed'><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><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1363\" class=\"elementor-element elementor-element-a14b058 e-flex e-con-boxed e-con e-child\" data-id=\"a14b058\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-231bd7a elementor-widget elementor-widget-text-editor\" data-id=\"231bd7a\" 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<p><span style=\"font-weight: 400;\">After your assessment, we can move quickly and guide you through each step.<\/span><\/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\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1364\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1364\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What do your services cost? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><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><\/span>\n\t\t\t<span class='e-closed'><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><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1364\" class=\"elementor-element elementor-element-8158fc0 e-flex e-con-boxed e-con e-child\" data-id=\"8158fc0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74968da elementor-widget elementor-widget-text-editor\" data-id=\"74968da\" 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<p><span style=\"font-weight: 400;\">For formal processes, trustee fees are <\/span><b>regulated<\/b><span style=\"font-weight: 400;\"> and typically come from your monthly plan\u2014no surprise charges.<\/span><\/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\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e595ea elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"0e595ea\" 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\">\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\">Get my free, confidential plan<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a84fcd5 newdesign-darktext e-flex e-con-boxed e-con e-parent\" data-id=\"a84fcd5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c39034c newdesign-darktext e-con-full e-flex e-con e-child\" data-id=\"c39034c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-3067e2b e-con-full e-flex e-con e-child\" data-id=\"3067e2b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6ea3a0 image-rounding dce_masking-none elementor-widget elementor-widget-image\" data-id=\"f6ea3a0\" 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 loading=\"lazy\" decoding=\"async\" width=\"448\" height=\"448\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/admissibilite-1.jpg\" class=\"attachment-full size-full wp-image-42919\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/admissibilite-1.jpg 448w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/admissibilite-1-300x300.jpg 300w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2025\/11\/admissibilite-1-150x150.jpg 150w\" sizes=\"(max-width: 448px) 100vw, 448px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe42f67 e-con-full e-flex e-con e-child\" data-id=\"fe42f67\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7169caf elementor-widget elementor-widget-text-editor\" data-id=\"7169caf\" 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>Quick Eligibility Snapshot<\/h2><p><strong>You\u2019re a good candidate for a structured plan if you\u2019re:<\/strong><\/p>\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-70b30ff elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"70b30ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Making payments but balances aren\u2019t moving<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Facing calls, fees, or rising interest<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ready to follow one realistic monthly payment and a timeline you can see<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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-b4c1ed6 elementor-align-left newdesign-button elementor-widget elementor-widget-button\" data-id=\"b4c1ed6\" 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\">\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\">Check my eligibility in minutes<\/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>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b8fcd5 e-con-full e-flex e-con e-parent\" data-id=\"3b8fcd5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c9a436 elementor-widget elementor-widget-menu-anchor\" data-id=\"2c9a436\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"consultation\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d2d48e7 newdesign-paletext newdesign-bgdark e-flex e-con-boxed e-con e-parent\" data-id=\"d2d48e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e527e16 elementor-widget elementor-widget-text-editor\" data-id=\"e527e16\" 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-096dead zcolor-main-palez elementor-widget elementor-widget-text-editor\" data-id=\"096dead\" 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<p>Leave us your contact details and an advisor will get in touch with you within 24 hours.<\/p>\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-2b2a1b8 newdesign-formulaire newdesign-formulaire-withtitle elementor-widget elementor-widget-shortcode\" data-id=\"2b2a1b8\" 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 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