CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS REFINANCEMENT HYPOTHÉCAIRE How does a mortgage refinance work? Whether it is to increase the current loan, to obtain a line of credit or to obtain a better interest rate, the notary will accompany you in the signature of your refinancing. Refinancing consists of signing a new mortgage according to the desired terms and repaying the old one according to the balance that we will have obtained. The new mortgage will be published in the land register and the old one will be cancelled. Why use mortgage refinancing: In a refinance, the debtor will get the equity in their property, which is the difference between the value of the property minus the current mortgage balance. Here are several reasons to refinance your property:  Renovations  Travel  Studies of your children  Line of credit  Retirement Contact us to discuss

CMVR Notaires fera des rencontres faites avec vous, votre ex-conjoint(e) et le médiateur où vous négocier les modalités de votre séparation dans un cadre structuré. Le médiateur s’assure que les parties aient une communication efficace et constructive. PARLONS SUCCESSION How does inheritance work? You want to settle the estate of a loved one and you fear that the process will be cumbersome and arduous? We will accompany you step by step through each stage of the estate settlement in order to make this stage as simple as possible so that you can fully concentrate on your grieving process. The usual succession procedure includes in particular: funerals; obtaining proof of death; the search for the will; the opening and inventory of the safety deposit box; opening an account in the name of the estate with a financial institution; probation of the will; analysis of testamentary dispositions; determination of heirs; the appointment of the liquidator; preparation of the inventory; claims for life insurance benefits, annuities and benefits; filing income tax returns and paying taxes where applicable; the liquidation of the family patrimony and matrimonial rights where applicable; publication of any notice required by law; exercise of the heirs' option; the administration of estate assets; the payment of specific debts and bequests; transfer of property; accountability; the division of estate assets. Consult a notary so that he can explain to you which steps of this process apply to your situation. contact us What is the deadline for settling an estate? The time taken to fully settle an estate depends largely on the specifics of each file. On average, it is six months (this is also the deadline imposed for the acceptance or refusal of the succession) The refusal of an inheritance If it happens that a relative dies leaving more debts than assets, it is possible for you to renounce the succession. You then have 6 months to sign a notarial deed of renunciation of the succession. It is important in this interval not to take any action that could constitute an acceptance of the succession, such as withdrawing sums from the account of the deceased or appropriating property belonging to him. The file will then be sent to Revenu Québec, which will liquidate the estate. If several people are to inherit, it is often advantageous for them to sign the deed of renunciation together in order to share the costs. Death of a loved one without a will When a person dies without a will, then the law determines who will inherit and in what proportions. Once the will searches have been received, the first step will thus consist of signing a declaration of inheritance which will establish who the heirs are and, in certain cases, appoint a liquidator. Thereafter, the succession can follow its normal course.

CMVR est une équipe de notaires, avocats et médiateurs à Beloeil, Brossard & St-Hubert. Notaire en achat & vente de maison et mandat inaptitude. Comment régler une succession : notaire mandat d'inaptitude à Brossard & notaire succession à Beloeil. CMVR notaires fait de la médiation familiale. PARLONS MANDAT DE PROTECTION Predicting incapacity: protection mandate Know that it is now possible to plan "your protection regime" yourself. Indeed, when you are in full possession of all your means, you can appoint one person or more who will take care of your person and your property in the event of your incapacity. Your notary will analyze your personal situation with you, advise you and prepare a mandate in anticipation of your incapacity adapted to your needs and those of your family. This document will be carefully kept in the vault of the notary and a notice will be entered in the register of the Chambre des notaires to allow you to trace your mandate quickly if necessary. How does a general power of attorney work? In comparison with the protection mandate, the general power of attorney is signed in order to designate a relative to represent you in case of need when you are still capable. The general power of attorney allows you to designate a relative so that he or she can make deposits and withdrawals at the bank or communicate, on your behalf, with the government, your landlord or any interested party. The power of attorney is generally accepted by all institutions for a period of 5 years. Some institutions may also accept a power of attorney that is older. However, the power of attorney is normally considered revoked by the occurrence of the incapacity of the person who had signed it. Bank accounts may then be frozen and it will become necessary to approve the protection mandate. For this reason, in the event of a refusal in the capacity of a loved one, do not wait for this situation to see to the homologation of the protection mandate. The advantage of a notarized protection mandate: In the absence of a protection mandate, your family will have to form an assembly and elect a legal representative. In particular, this person will be required to provide an annual report on his administration to the public curator, who will supervise his administration. This legal representative may be required to provide a guarantee in connection with the performance of this obligation, in particular to provide security on a building that he owns or to immobilize a sum of money. These requirements can unfortunately be restrictive and can be avoided by signing a protection mandate. Thanks to this document, you can help your loved ones help you by making the task less difficult for them. What to do when incapacity occurs? The protection mandate is a document that we sign when our state of health is good, in anticipation of a period when we would have become vulnerable. The document cannot be used immediately after signing. In the event of a deterioration in the cognitive abilities of the mandator, the mandate can then be approved by the court, in order to allow the people you have chosen to represent you by taking decisions for you related to the management of your property and to the protection of your person. The process of homologation of the mandate must be done through a legal procedure presented to the Court by the notary. It is thus the court that homologates the mandate, on the advice of a doctor and a social worker. During the procedure, the clerk or the judge may communicate with the person concerned to validate their incapacity. When all the checks have been completed, the court will issue a judgment by which the appointment of the agent(s) will become effective. contact us

CMVR est une équipe de notaires, avocat et médiateurs à Beloeil, Brossard & St-Hubert. Notaire en achat & vente de maison et mandat inaptitude. Comment régler une succession : notaire mandat d'inaptitude à Brossard & notaire succession à Beloeil. CMVR notaires fait de la médiation familiale. PARLONS MÉDIATION FAMILIALE How does the separation of my couple work? Êtes-vous admissible à des séances de médiation familiale gratuites? Des séances de médiation familiale sont offertes gratuitement dans le cadre d'une séparation pour un certain nombre d'heures. Le nombre d'heures varie selon la situation dans laquelle vous vous trouvez. Remplissez notre court questionnaire afin de savoir si vous êtes admissible. Cliquez ici In addition, you and your ex-spouse can no longer communicate when you discuss problematic subjects. Consider the family mediation process! These are meetings with you, your ex-spouse and the mediator where you negotiate the terms of your separation within a structured framework. The mediator ensures that the parties have effective and constructive communication and that everyone can put forward their point of view. The objective is to identify the source of the problems and find appropriate solutions. You are in the process of separating and you have questions to which you would like to know the answers in order to make the right decision : How does family mediation work? Les parents ont la possibilité d'assister à une séance d'information sur la parentalité après la rupture. Cette séance de groupe est offerte gratuitement par le Ministère de la justice: Séance d’information de groupe sur la parentalité après la rupture - Ministère de la Justice (gouv.qc.ca) In order to encourage parents to use the services of a family mediator, the government pays the fees of family mediators in the following situations : A couple with minor or adult dependent children is entitled to : 5 hours of mediation , as part of a separation process. 2.5 hours of mediation , in the case of a request for review of a judgment or an agreement, or if you have already benefited, with your ex-spouse, from family mediation services or if you have already obtained a judgment in separation from bed and board. How does family mediation work? Nous offrons des rendez-vous dans un délai rapid e, e n présentiel ou en visioconférence. Cela nous permet de vous offrir un service impeccable, et ce, peu importe où vous vous trouvez! According to the Family Mediation Regulations: If overtime is required to finalize the mediation process, the mediator's rates shall be $110.00 per hour as provided in the Family Mediation Regulation. We also offer family mediation to couples who are not eligible for the government subsidy according to our hourly rate. You can contact us for any information. contact us Pour plus d'informations sur la médiation familiale, nous vous invitons à consulter le site du Ministère de la Justice du Québec : La médiation familiale, pour négocier une entente équitable - Ministère de la Justice (gouv.qc.ca)

CMVR Notaires fera des rencontres faites avec vous, votre ex-conjoint(e) et le médiateur où vous négocier les modalités de votre séparation dans un cadre structuré. Le médiateur s’assure que les parties aient une communication efficace et constructive. PARLONS DIVORCE À L'AMIABLE Amicable divorce: how does it work? If you and your ex-spouse wish to divorce amicably, you can produce a draft agreement in which you will make all the decisions relating to your divorce. You can then file a joint application. Here are the conditions for a divorce to be requested jointly: The spouses must agree on all the consequences of their divorce, custody of the children, child support, alimony for ex-spouses, division of the value of property, etc. There must be no point of contention between the spouses, for example, they must agree on the date on which they ceased to live together. The reason for the divorce must be separation for more than one year. Adultery and physical and mental cruelty cannot be invoked. If the spouses choose to retain the services of a single lawyer or notary to draft their agreement and the divorce paperwork, this lawyer or this notary must advise and be faithful to both spouses, that is to say that he cannot favor the position of one to the detriment of that of the other. Si les époux choisissent de retenir les services d'un seul avocat ou d'un notaire pour rédiger leur entente et la paperasse de divorce, cet avocat ou ce notaire doit être neutre vis-à-vis les deux époux, c'est-à-dire qu'il ne pourra pas favoriser la position de l'un au détriment de celle de l'autre. What is divorce with consent? Spouses do not have to file for divorce together. E ven if they get along. In other words, the spouses can divorce amicably, but they do so separately. For example, this would be the case if the spouses are in one of the following situations: They each want to be represented by their own lawyer. One of the spouses wants to invoke adultery, physical or mental cruelty as grounds for divorce. The divorce is already requested by one of the spouses and they reached an agreement later in the divorce process. The spouses do not agree on all the consequences of the divorce, for example, they agree on the custody of the children but not on the division of the value of their property. The spouses can record the points on which they agree in a written agreement that they will sign. This agreement may also be called a “draft agreement” or a “consent”. The agreement can eventually be transformed into a judgment and form part of the divorce judgment between the spouses. Source: Educaloi Les époux peuvent consigner les points sur lesquels ils sont d'accord dans une entente écrite qu'ils signeront. Cette entente peut aussi s'appeler un « projet d'accord » ou un « consentement ». L'entente peut éventuellement être transformée en jugement et faire partie du jugement de divorce entre les époux. Source : Éducaloi

CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS HYPOTHÈQUE How does a mortgage work? ? A mortgage is a right, related to a property, which is given by a person as security when refinancing or buying a property. The main obligation generated by this mortgage is the obligation to pay by the debtor all sums due to the creditor. If the debtor defaults on this obligation, the creditor may use the hypothecary remedies granted to him by law. For this mortgage to be valid, the parties must sign before a notary. Only the notary has the authority to sign such a document under the Civil Code of Quebec under penalty of nullity. The notary will then publish the mortgage on the land register in order to make it public. We are therefore present at this stage to draw up all the relevant documents and advise you on the rights and obligations arising from the mortgage. What you need to know about the mortgage: Many homeowners don't know it, but their entire property is mortgaged. With the subsidiary mortgage, more and more financial institutions take out a guarantee on 100% of the value of the property, sometimes even any further. What are the advantages and disadvantages? Inform yourself.

CMVR: notaries, lawyer & mediators Delighted! CMVR is a team of notaries, lawyers and mediators, in the Montreal region, which has forged a reputation for quality in the field of real estate, estate settlements, wills and mandates of incapacity, family mediation, divorce or for help you start or update your business. NOTAIRES LAURENCE CARRIERE-MARLEAU , LL.B., DDN, notary After obtaining her bachelor's degree in psychology at UQAM in 2006, Me Carrière-Marleau decided to apply her interest in relationships in a field that involves logic and norms. This is why she began her studies in law at the University of Montreal in 2007. Then, considering that the notarial profession constitutes the most human field of law, she completed her Diplôme d'études Notariale (DDN) at the Université of Sherbrooke. By her empathetic and calm nature as well as by her great listening skills, Notary Carrière-Marleau has forged a reputation for quality towards her clients, making her a valued professional. As a notary, she will always be available to advise you and allow you to make informed decisions at all stages of your life. Magali Drouin, LL.B. LL.M., notary Magali Drouin has been working for CMVR NOTAIRES, ATTORNEYS AND MEDIATORS since the summer of 2018 as a legal intern. Graduated in April 2018 from the bachelor's degree in law and in 2019 from the master's degree in notarial law from the University of Sherbrooke, she was sworn in as a notary in April 2020. Hard-working and conscientious, Magali has the best interests of clients as a priority and will be able to conduct your files in a rigorous and impartial manner while providing personalized service according to your needs. Whatever your request, she will take the necessary time to guide and enlighten you. Élodie Léger, notaire Me Geneviève Duclos Paré completed her law studies at the University of Ottawa in 2014. As soon as she was admitted to the Quebec Bar, she opened her office where she focused her practice in family law. She represents her clients in disputed cases at the Superior Court relating to custody, child support and divorce applications. Building on her experience as a litigator, Me Duclos Paré joined the CMVR notaires firm in 2019 and obtained her accreditation in family mediation. Listening to her clients, she is keen to find appropriate solutions for each of them. GABRIELLE VACHON ROY , LL.L., LL.M., notary Notary Vachon Roy completed her studies in Civil Law at the University of Ottawa and completed her Master's degree in Notarial Law. Notary since 2012 and member of the Chambre des notaires du Québec, she has also completed the necessary training to become a family mediator. Founder of the CMVR notaires business, she has contributed to its growth and has also been teaching future real estate brokers at the Collège d'Enseignement de l'Immobilier since 2019. Her preferred fields of practice are human rights, family mediation, real estate, non-contentious procedures, as well as commercial law. Listening to her clients, she will be able to offer you sound advice for all occasions. Andréanne Bérubé, notaire Me Andréanne Bérubé a terminé son baccalauréat en droit à l'Université du Québec à Montréal en décembre 2019 et sa maitrise en droit notarial à l'Université de Sherbrooke en 2021. Elle fut assermentée en tant que notaire au début de l’année 2022. De nature calme et réservée, Andréanne vous mettra en confiance durant ces événements qui peuvent parfois être de l'inconnu pour certains d'entre vous. Elle a à cœur le bien-être de ses clients et les conseille afin qu’ils prennent des décisions éclairées. Sara Labelle, notaire Me Geneviève Duclos Paré completed her law studies at the University of Ottawa in 2014. As soon as she was admitted to the Quebec Bar, she opened her office where she focused her practice in family law. She represents her clients in disputed cases at the Superior Court relating to custody, child support and divorce applications. Building on her experience as a litigator, Me Duclos Paré joined the CMVR notaires firm in 2019 and obtained her accreditation in family mediation. Listening to her clients, she is keen to find appropriate solutions for each of them. AVOCATS Geneviève Duclos Paré, lawyer Me Geneviève Duclos Paré termine ses études en Droit à l’Université d’Ottawa en 2014. Dès son admission au Barreau du Québec, elle ouvre son bureau où elle concentre sa pratique en droit familial. Elle y représente ses clients dans des dossiers contestés à la Cour Supérieure relatif à la garde, la pension alimentaire pour enfants et les demandes de divorce. Forte de son expérience à titre d’avocate plaideuse, Me Duclos Paré se joint à l’étude CMVR notaires en 2019 et obtient son accréditation en médiation familiale. À l’écoute de ses clients, elle est soucieuse de trouver des solutions appropriées pour chacun d’eux Geneviève Duclos Paré, lawyer Claudia Maheu, avocate, médiatrice familiale et aux petites créances Me Claudia Maheu est membre du Barreau du Québec depuis 2014 et médiatrice familiale accréditée depuis 2018. Elle est également membre du Jeune Barreau de Montréal, de l’Association des avocats et avocates en droit familial du Québec et de l’Association de médiation familiale du Québec. Me Maheu consacre sa pratique à la médiation familiale et aux modes de règlement à l’amiable. En plus de son expérience et expertise en droit de la famille, Me Maheu est une ancienne enseignante à l’école secondaire, ce qui lui permet de bien comprendre et connaître la nature des enjeux entourant les enfants. Geneviève Duclos Paré, lawyer Me Vicky Lauzière est membre du Barreau du Québec depuis 2020. Dès le début de sa carrière, elle oriente sa pratique vers le droit de la famille et traite des dossiers variés, notamment en matière de divorce, de garde d’enfants et de pension alimentaire. Me Lauzière a rejoint l’étude CMVR Notaires en 2025 et elle concentre désormais sa pratique vers la médiation familiale, ayant obtenu son accréditation. Empathique et consciencieuse, Me Lauzière accompagne ses clients avec sensibilité et professionnalisme afin de les aider à trouver des solutions durables, dans un cadre respectueux et collaboratif. All your life, you are called upon to make important decisions that produce legal effects. Just think of marriage, divorce, buying property and financing it, forming a business, writing a will, and so on. However, faced with the proliferation of laws and their growing complexity, you cannot measure and assess the legal implications of such decisions yourself. By training in law, the notary can help you make informed choices. Our colleague Laurence explains the role of a notary. Why do business with a notary? The notary being a jurist with an obligation of impartiality by virtue of his status as a public officer, we say of him that he is a jurist of the cartel. His role is to protect all parties and to work to find the most equitable and directed solution according to their needs. Compared to lawyers, the notary stands out because he directs his actions according to a preventive intervention in order to avoid working in the field of conflicts. In the course of a lifetime, it is inevitable that couples, families or companies need to use the services of a notary and therefore he becomes an important ally for them. Because of his skills, the notary is there to advise you legally and to enable you to make informed choices with full knowledge. Consulting the notary, only to make an informed decision, will avoid future conflicts and litigation that can prove costly. In addition to his status as a public officer, the notary gives the documents he signs an authentic character and therefore a document which itself is proof of its content, its accuracy and the signatures it contains. In addition to this advantage, the notarized document cannot be lost or altered, because it will be kept in the notary's office in perpetuity even after the cessation of his practice. CMVR Notaries: our specialties Will Succession Real estate Protection mandate Corporate Buy Sell

CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS ACHAT ET VENTE D'UNE PROPRIÉTÉ How buying or selling works of one property? Buying a property can be as exciting as it is stressful for buyers. Buyers must make many decisions in this complex area of law. The notary therefore plays an important role in their informed decision-making. First of all, your purchase/sale file will be analyzed in depth according to the various preliminary documents provided. Following this analysis, the notary will also proceed to a title review, which is a due diligence of the title deeds in order to purchase a clear title. In addition to verifying the identity of the parties, the notary also makes sure to have the money in his trust account prior to the transaction to ensure the smooth progress of your file. The relevant documents will then be drafted by the notary. Purchase of a condominium The notary will adjust his advice and tasks according to the type of property you are buying. For example, the purchase of a condominium involves several additional checks. The notary will verify the declaration of co-ownership and its modifications in order to inform you of the easements that may be present, the restrictions, the uses authorized, etc. Also, the notary will check the financial statements to ensure that the contingency fund is sufficient to pay for work that may arise in the future. A verification of the special contributions that have already been voted will also take place in order to avoid surprises when receiving the notice of payment. The notary also obtains a form completed by the syndicate of co-ownership in order to protect the buyer, in particular if there are arrears in the condo fees, if legal proceedings are initiated against the seller and other situations that may cause harm to the buyer. As you can see, the acquisition of a co-ownership requires several checks in order to avoid any unpleasant surprises and the notary is the ideal advisor to assist you in your efforts. Find out more about the legal guarantee Under the law, the seller is bound by the legal guarantee towards his buyer. This warranty includes the warranty of title and the warranty of quality. Guarantee of property rights The seller must guarantee the buyer a “good and valid title deed”. In other words, the seller vouches for his right of ownership of the building. The quality guarantee The seller is also bound by the quality guarantee, that is to say the guarantee against hidden defects. The quality guarantee only covers major defects which exist during the sale, which are unknown to the buyer and which a careful and diligent buyer could not have discovered. The sale made without legal warranty To the extent permitted by law, the parties may agree and decide to extend or reduce the scope of the legal warranty. It is therefore possible to sell without legal warranty if a clause in the contract provides for it. However, the seller can never free himself from his personal facts. A professional seller cannot be released from liability for defects that he knew or could not ignore and that he did not reveal. Who pays the fees? The costs to cover everything related to the real estate transaction are the responsibility of the buyer. However, since the seller must provide clear title, if the property is mortgaged, the seller will be responsible for the expense of preparing the discharge. Also, the latter must reimburse the notary for the costs incurred by the latter, in particular the costs for obtaining tax certificates, surveyor fees, fees for issuing a new certificate of location, brokerage fees, title insurance fees, etc. When is a new certificate of location mandatory? When selling the property, the seller agrees, through the promise to purchase, to provide a clear title. By the same token, the latter must provide buyers with a certificate of location representing the current state of the premises. The property must therefore not have been subject to a cadastral renovation resulting in a modification of the lot number and no construction not appearing on the current certificate of location must have been made. Moreover, since the Ostiguy c. Allie judgement, the certificate of location must be dated no more than 10 years to the day. Sellers will need to order a new one if the issue date of the one in their possession is more than 10 years old.