Stop debt now.

Reduce your debt by 80% or more.

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

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 (LIT) 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

Popular alternative to bankruptcy
Reduce your debt by 80% or more
Keep your assets
A monthly payment based on what you can afford
Stops all interest, penalties and collect attempts

See if you qualify Learn more

Bankruptcy

Eliminate your unmanageable debt in as few as nine months
Debts are legally discharged through court action
Creditors can’t refuse your bankruptcy
No maximum debt threshold

See if you qualify Learn more

Debt counselling

Do-it-yourself approach to manage your debt
Access to expert coaching and techniques
Learn how to self-negotiate with creditors
Establish solid financial goals

See if you qualify Learn more

Why Bromwich+Smith?

Helping Canadians get out of debt since 2002
99% acceptance rate for consumer proposals
Client completion rates amongst the highest in the industry
We work with you to develop a plan for you
We empower and educate you

Choose Bromwich+Smith.
It’s worth it.

See if you qualify Learn more

How we support your journey

We know you don’t need a lecture. You don’t need any more high-pressure, fear-based tactics. You need a partner to help you.

Our goals are to:

Ensure you know that your debt does not define you
Take the time to better understand you and your current situation
Provide you with a supportive, non-judgmental environment
Empower you to make an informed choice by presenting all your options

The journey

Complete the form and then select a day/time that works for you for a confidential, no-cost, no-obligation consultation.

During your consultation we will:

Take the time to get to know you and the circumstances that led to you reaching out for help
Explain the options available to you, including the pros and cons of each
Outline next steps for you
Ensure that you feel empowered to make a more informed decision

Put our experience to work for you.
It’s worth it.

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

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.

Shaleene

Charolette

Zarko

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."