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See if you qualify

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Stop debt now.

Reduce your debt by up to 80%.

  • We’ve helped tens of thousands of Canadians achieve freedom from their debt
  • Government-regulated debt forgiveness programs
  • Personalized plans with payments you can live with
  • Break free from financial stress

Contact us for a FREE, no-commitment consultation.

See if you qualify Call: 1-855-884-9243

Our solutions

Get relief from debt

Working with a Licensed Insolvency Trustee such as Bromwich+Smith can help you avoid those less reputable or predatory options often offered to people who go looking for help with their debt.

Bromwich+Smith offers only government-regulated options for debt relief and we will work with you to determine which one is right for you.

Let Bromwich+Smith help you decide. It’s worth it.

Consumer proposal

If you want to avoid bankruptcy, a consumer proposal may be the right fit.

  • A regulated alternative to bankruptcy
  • Reduce your debt by up to 80%
  • Keep your assets
  • A monthly payment based on what you can afford
  • Stops interest, penalties and collection calls
Learn about consumer proposals

Bankruptcy

When debt has become unmanageable, bankruptcy can give you a legal reset.

  • Erase unmanageable debt, usually within nine months
  • Your debts are legally discharged through a federal process
  • Creditors can’t refuse your bankruptcy
  • No maximum debt limit
Learn about bankruptcy

Debt consolidation

Debt consolidation makes your debt more manageable by combining multiple debts into one easy monthly payment.

Bromwich+Smith offers consumer proposals, a government-regulated process with benefits that consolidation loans don’t provide.

Learn more about debt consolidation to see which option might be best for you.

Learn about debt consolidation

Our solutions

Get relief from debt

Working with a Licensed Insolvency Trustee such as Bromwich+Smith can help you avoid those less reputable or predatory options often offered to people who go looking for help with their debt.

Bromwich+Smith offers only government-regulated options for debt relief and we will work with you to determine which one is right for you.

Let Bromwich+Smith help you decide. It’s worth it.

Consumer proposal

If you want to avoid bankruptcy, a consumer proposal may be the right fit.

  • A regulated alternative to bankruptcy
  • Reduce your debt by up to 80%
  • Keep your assets
  • A monthly payment based on what you can afford
  • Stops interest, penalties and collection calls
Learn about consumer proposals See if you qualify Learn more

Bankruptcy

When debt has become unmanageable, bankruptcy can give you a legal reset.

  • Erase unmanageable debt, usually within nine months
  • Your debts are legally discharged through a federal process
  • Creditors can’t refuse your bankruptcy
  • No maximum debt limit
Learn about bankruptcy See if you qualify Learn more

Debt consolidation

Debt consolidation makes your debt more manageable by combining multiple debts into one easy monthly payment.

Bromwich+Smith offers consumer proposals, a government-regulated process with benefits that consolidation loans don’t provide.

Learn more about debt consolidation to see which option might be best for you.

Learn about debt consolidation See if you qualify Learn more

See how these options compare over time with our debt repayment calculator.

Debt repayment calculator
Elderly couple sitting at a table reviewing financials together

Why Bromwich+Smith?

For more than 20 years, we’ve helped Canadians rebuild financial stability through government-regulated debt solutions. Every case is unique, but the results are consistent.

  • 99% acceptance rate for consumer proposals
  • Among the highest completion rates in the industry
  • Tens of thousands of Canadians supported through recovery
  • Plans built with you, not for you
  • Guidance that stays with you every step of the way
See if you qualify Learn more

How we support your journey

The first conversation is simple. No pressure and no judgment, just a chance to talk.

We start by understanding what life looks like for you right now and what you want to change. Then we walk through every option together so you can see what fits your situation.

Here’s what you can expect

During your consultation we will provide you with:

  • A free, confidential consultation on your terms
  • A clear explanation of each option in plain language
  • Honest answers about payments, timelines, and impact
  • A path forward that feels manageable and realistic

Expert debt relief

All of our solutions are administered by Licensed Insolvency Trustees and regulated by the federal government to ensure your protection.

Supporting your journey

Meet our team

When you meet with us, you’ll notice we’re different. Our approach is grounded in empathy and understanding the emotional toll of financial distress, which is why we offer a supportive, non-judgmental space for recovery. We take the time to better understand your unique situation and offer realistic, honest advice to help you build the confidence to take back control of your financial future.

Meet the team
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What people are saying

Testimonials

The level of knowledge, compassion and customer service I received during this process has been exceptionally high. Everyone who handled my file was incredibly understanding, helpful and friendly. I was treated with respect and dignity, and I genuinely felt like they wanted me to succeed in my future endeavors.

Shaleene

I went from avoiding phone calls from creditors and 24/7 stress, to a huge sigh of relief as soon as I decided to make the call. They gave me the room to breathe that I needed to get back on track. I had support and understanding at every step of the process. Amazing staff! No surprises!

Charolette

It’s like a weight lifted off my back. I can’t thank you enough at Bromwich+Smith. Everything was explained to me thoroughly. You guys saved my life and my marriage. I highly recommend to anyone who is in a financial struggle don’t hesitate, call them.

Zarko

The stress that melted off my shoulders the moment I signed the paperwork…I should have done this years ago. Efficient and honest. If you need help, don’t wait years like I did. Bromwich+Smith can help. It’s what they are there for. Let them.

K

Bromwich+Smith were outstanding! I was in such a scary place financially and all of their staff were efficient, helpful, extremely knowledgeable, kind and supportive. Thanks to Bromwich+Smith I can now get on with rebuilding my life and confidence and look forward to the future. Amazing!!

Helen

Understanding, no judgment, very nice people. I felt like I was in good hands and I’m confident that choosing Bromwich+Smith to help me get through this stressful time was the right decision.

A

Thank you so much Bromwich+Smith! I’ve been struggling financially for the past 5 years or more. At first, I was hesitant but if only I knew that this program would help me in this kind of situation, I would have done it as early as possible. The team took care of everything for me, which helped me lessen my stress. If I have a friend in need, I would highly recommend them. Thank you so much Bromwich+Smith.

Danille

Google reviews

Image that shows a 4.8 out of 5 stars Google rating with a total of 1732 reviews

"Had my consultation about a month ago and they provided me with great advice and a perfect plan for what I needed. Very grateful for their help and everyone involved to help me. I would highly recommend anyone for this company in need. Thank you again!"

Google profile picture of Calyssa Joice

Calyssa Joice

"I should have called way sooner, but embarrassment kept me from it. Everyone I have been in contact with have been knowledgeable, kind and professional. I’m glad I called Bromwich and Smith!"

Google profile picture of Salena Shemilt

Salena Shemilt

"I appreciated the different options given to me by Bromwich+Smith and deciding the best route for me has been the most uplifting. Knowing I’m on the path to a debt free life is a feeling like no other! Definitely recommend this team of professionals! Thanks again Bromwich+Smith!"

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Kelly Deter

"I’m so glad I found Bromwich+Smith when I did! It was perfect timing even though at the time I wasn’t very hopeful that anyone could help me. They were able to get me protected within 48 hours of contacting them and at a very affordable rate. Thank you again for your great service!!"

Google profile picture of Maaji Hendricks

Maaji Hendricks

"Kind, efficient and took all the stress out of dealing with my financial situation… This company and employees really know what they are doing and have been a pleasure to work with despite the circumstances."

Google profile picture of Shanda Sawyer

Shanda Sawyer

"Great people and easy to deal with. They explained the process to me and made me feel as if I mattered and that there was hope for my situation – Highly recommend this company."

Google profile picture of Pat DeLuca

Pat DeLuca

"It’s been absolutely amazing working with you all. Very professional and patient. Very helpful explaining the process. I’m so glad I reached out to you guys and was able to use your services. I will definitely pass you on to others. I honestly don’t know what I would have done without you. Thanks so much!"

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mark duffy

Advice

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