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Reduce your debt by up to 80%

Pay off your debt for significantly less than you owe
We offer government-regulated debt forgiveness programs that reduce your debt, eliminate interest and give you a fresh start
Our Licensed Insolvency Trustees can create an affordable plan that works for you

Our solutions

Get relief from debt

When debt becomes unmanageable and the stress is weighing you down, it’s important to know your options. Let us help you decide which solution may be right for you.

Consumer proposal

A consumer proposal is a legal agreement between you and your creditors to settle your debts without filing for bankruptcy.

Learn about consumer proposals

Bankruptcy

Bankruptcy is a legal process in which your eligible debts are eliminated and legally discharged through court action.

Learn about bankruptcy

Debt consultation

No matter what your financial situation is, there are always solutions to your debt problem.

Learn about other options

Why Bromwich+Smith

We are with you every step of the way – from start to finish. We are committed to helping you relieve the overwhelming financial burden that you are experiencing and get you out of debt. Your reality is our priority and together we’ll achieve financial wellness and stability.

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Helping you find financial support

Since 2002, we’ve successfully helped over 40,000 Canadians get out of debt, reclaim financial independence and help get their financial life headed in the right direction
We have a 99% consumer proposal creditor acceptance rate
Our approach is never one-size-fits-all. We will personalize a plan just for you that includes an affordable payment you can live with

Empowering your journey

Our clients are our priority – we see you first, not your debt
You are assigned your own dedicated Licensed Insolvency Trustee and Financial Wellness team to keep you on track throughout your debt relief journey
Our human-centered approach focuses on building a supportive relationship to help you improve your relationship with money and complete your debt journey with better confidence, improved financial skills and enhanced financial wellness

A trusted partner from start to finish

Turn to us. We can help. We have over 20 years of experience helping Canadians understand their debt relief options
We have industry leading rates of debt relief program completion due to the tools and support we provide for long term success
We are more than insolvency experts; we are your advocates who are committed to supporting you at every step of the way

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 our team Contact us

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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.

What people are saying

Google reviews

"I would like to give my heartfelt thanks to Mr. Rick Hamilton and his team at Bromwich and Smith for helping me pay all my debts. Now that I’m debt free, I can sleep better and live a healthier life. Thanks again to all of you❤️Zenaida Ramiscal"

Zenaida Ramiscal

"Shawn was very helpful and informative. The process for consumer proposal was very easy and I was relieved when everything was complete. I would recommend Bromwich + Smith to everyone."

Brett Pereira

"Bonnie made the process seamless and less stressful. As well Bassel was empathetic , clear and definitive."

Rita Schenk

"Absolutely great people! They will do anything to help make sure you get back on your feet."

Trevor Welsh

"Absolutely amazing group of people to work with. Shout out to Vanessa & Dean for caring for me when my chips were down. Highly recommend this company."

marianne deman

"They made my situation make sense, and the process was so smooth. Definitely reccomend Bromwich and Smith if you need help with debt!"

Braden Lanz

"What a great journey higly recommended ,very helpful they will guide you every steps of the way thank you so much peter stack for your help."

Ermi Quijano

"Thank you Peter for making a difficult and stressful situation simple, and uncomplicated. You explained everything very clearly, you gave me good advice and I appreciate it very much!"