{"id":5332,"date":"2018-04-16T00:00:00","date_gmt":"2018-04-16T04:00:00","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/prevent-hydro-quebec-from-disconnecting-power\/"},"modified":"2021-04-13T18:16:14","modified_gmt":"2021-04-13T22:16:14","slug":"prevent-hydro-quebec-from-disconnecting-power","status":"publish","type":"post","link":"https:\/\/ginsberg-gingras.com\/en\/prevent-hydro-quebec-from-disconnecting-power\/","title":{"rendered":"How to prevent Hydro-Qu\u00e9bec from disconnecting your power"},"content":{"rendered":"Having payments past due and seeing your unpaid bills pile up is difficult for any consumer. It goes without saying that the last thing you need is to worry that Hydro\u2011Qu\u00e9bec will disconnect your essential services. But did you know that, depending on your circumstances, you may be able to protect yourself from a service disconnection by Hydro-Qu\u00e9bec with a consumer proposal or bankruptcy?<\/strong><\/p>\n

Late payments for essential services like electricity from Hydro\u2011Qu\u00e9bec can be a major source of stress for consumers, who do not want their services to be disconnected. However, simple and effective solutions can be set in motion to prevent disruptoin of your electricity service. Although Hydro\u2011Qu\u00e9bec cannot disconnect your service between December\u00a01 and March\u00a031, your bills will continue to accrue charges after this period, and you will be at risk of having your services disconnected.<\/p>\n

Debt consolidation is one option available to you. It allows you to settle all your debts in a single payment, but it does not necessarily offer protection against service disconnection by Hydro\u2011Qu\u00e9bec. However, bankruptcy<\/a> and consumer proposals<\/a> do offer the protection you need while you deal with your debts, and they enable you to completely settle your Hydro\u2011Qu\u00e9bec debt and prevent a service disconnection.<\/p>\n

Erasing Hydro\u2011Qu\u00e9bec bills<\/h2>\n

There are several ways to prevent service disconnection due to accumulated bills and late payments. First, you can try to come to an agreement with Hydro\u2011Qu\u00e9bec to settle your debts. You may be able to agree on repayment plan with the company and avoid disconnection. However, if they reject your proposal, or if the total amount is impossible for you to pay off, you still have other options available, such as bankruptcy or a consumer proposal.<\/p>\n

A consumer proposal or bankruptcy will protect you from electricity disconnection for its full duration. Basically, a consumer proposal or bankruptcy will shelter you from your creditors and from service disconnections for those amounts owed. This protection will continue until you make the final payment associated with your consumer proposal or bankruptcy. Including debts for services such as Hydro\u2011Qu\u00e9bec in the procedure protects you against service disconnections and frees you from debt.<\/strong><\/p>\n

Which is better: bankruptcy or a consumer proposal?<\/h2>\n

Hydro-Qu\u00e9bec is not permitted to disconnect a consumer\u2019s electricity service between December\u00a01 and March\u00a031. However, do not simply rely on the protection period provided by the law, since this protection will not be enough to settle your late payments. Consumer proposals and bankruptcy are the most comprehensive solutions for this kind of problem. Licensed Insolvency Trustees (LIT) make sure that you are protected and freed from your debt, whether your debt is recent or whether you\u2019ve been carrying it for years. Bankruptcy and consumer proposals can both erase your debt with Hydro\u2011Qu\u00e9bec, permanently preventing the company from attempting to collect it from you.<\/p>\n

Bankruptcy, the most well\u2011known option, provides all the protection required to prevent disconnections and to settle your debts. A consumer proposal, unlike bankruptcy, will allow you to retain property such as your house and your car, and settle your debt in a single stroke\u2014all while enjoying the same protections provided by bankruptcy. This is important to consider if you want to keep your possessions and find a more flexible solution. When it comes time to make the choice between bankruptcy and a consumer proposal, an LIT at Ginsberg Gingras can assess the pros and cons of each procedure to advise you on the best steps to take in your situation.<\/p>\n

Prevent debt accumulation and service disconnections by Hydro\u2011Qu\u00e9bec. Contact an LIT today<\/a> and say goodbye to your debts.\t\t

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Having payments past due and seeing your unpaid bills pile up is difficult for any consumer. It goes without saying that the last thing you need is to worry that Hydro\u2011Qu\u00e9bec will disconnect your essential services. But did you know that, depending on your circumstances, you may be able to protect yourself from a service […]<\/p>\n","protected":false},"author":35,"featured_media":5092,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[674,667,676],"tags":[768,771,767],"class_list":["post-5332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-blog","category-understand","tag-bankruptcy","tag-consumer-proposal","tag-debt"],"acf":[],"yoast_head":"\nHow to prevent Hydro-Qu\u00e9bec from disconnecting your power | 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\/prevent-hydro-quebec-from-disconnecting-power\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to prevent Hydro-Qu\u00e9bec from disconnecting your power\" \/>\n<meta property=\"og:description\" content=\"Having payments past due and seeing your unpaid bills pile up is difficult for any consumer. It goes without saying that the last thing you need is to worry that Hydro\u2011Qu\u00e9bec will disconnect your essential services. 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