Before starting your application, you must meet the following criteria.

• Have a current debt ratio of less than 45% (i.e., the sum of your recurring monthly expenses (housing, car loan, personal loan, microloan, cell phone, cable, etc.) divided by your gross monthly income)
• Have a net income of at least $2,000 per month
• Not have filed a consumer proposal or bankruptcy in the last 60 days, or not have already made a voluntary deposit or debt consolidation.
• Be a resident of Quebec