April 14, 2024

Younger Quebecers are more and more represented in chapter proceedings in Quebec. Our Bureau of Investigation and the JE program met a number of younger individuals who turned bankrupt earlier than the age of 25.

TOTAL DEBT: $39,444

  • SURNAME : Emmeric Rouverand-Viau
  • AGE : 20 years
  • CITY : Montreal
  • BANKRUPTCY : March 2023
  • CAUSE : progressive debt


Emmeric Rouverand-Viau is attracted by the prospect of a greater return on his financial savings and believes he made an enormous mistake by revealing a wealth of useful knowledge to an individual who turned out to be a fraudster.

The younger man says he realized the arduous manner the implications of what quantities to id theft. By way of one in every of his associates he met the person who would price him dearly.

“He launched him to me shortly, I gave away a variety of private info too shortly as a result of I trusted my good friend and he informed me he trusted him,” he says with remorse.

Emmeric says he gave this individual permission to make use of his Desjardins account to flow into funds.

In keeping with him, the intention was to enhance his picture on the establishment by giving the impression that he was producing vital earnings. “The objective was to indicate the monetary establishment that I’ve enough funds and that if I […] positioned [de l’argent] I might get a greater rate of interest later,” he explains.

Nonetheless, shortly after, he modified his thoughts and determined to shut his account.

Sadly the injury was executed. The one that had entry to his account utilized for AccordD financing with out his information. She additionally took benefit of the provide to get a bank card, which she promptly abused.

“On the finish of December, my good friend referred to as me to inform me that he had been scammed by this individual and that I ought to test my accounts,” he explains.

The day after that decision, he himself acquired a letter from a debt assortment company informing him that the invoice was lengthy overdue and that Desjardins had filed a request for a refund.

Brutal shock

Though he was assured the account had been closed with out incident, the shock of studying he was in default was brutal, he mentioned.

“I owed the banking establishment about $22,000 plus curiosity,” he sighs.

“I used to be burdened […] I used to be deceived by the identical individual. I panicked and went to my dad and mom to see what I might do,” he mentioned.

Emmeric finds it stunning that somebody might get such massive quantities of cash with out additional verification. “It’s stunning as a result of I labored a part-time scholar job with a hard and fast earnings for 2 years. “That they had the power to acknowledge that I’d not have been capable of pay every thing again,” he criticizes.

Emmeric mentioned he filed a police report back to report the state of affairs. Pushed to the wall, he had no selection however to go bankrupt on the age of 20.

“After seven years, the word could be deleted and no hint would stay. That appeared to be the best,” he mentioned.

Nonetheless, with out information of the police investigation, he regrets that the one who allegedly cheated on him has suffered little penalties in the intervening time.

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