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What are your debt relief options?

  • You can stop debt now! We offer only government-regulated debt relief options.
  • Reduce your debt by 80% or more
  • Eliminate your debt in as few as nine months

Getting help from Bromwich+Smith will stop growing interest charges as well as collection efforts.

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Option 1

Consumer proposal

Avoid bankruptcy and reduce your debt by 80% or more with a consumer proposal.

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Key highlights

  • Your fixed monthly payment is based on what you can afford
  • Keep your assets
  • Stop interest, penalties, wage garnishments, legal actions and collection calls
  • Use our client portal to change payment dates if needed

Filing for bankruptcy is not your only option. A consumer proposal can be a better alternative and allows you to avoid the negative consequences of bankruptcy.

Our Licensed Insolvency Trustees negotiate a legally binding settlement with the creditors of your unsecured debt.

Your debt can often be reduced to a fraction of what you owe with the remainder forgiven.

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Option 2

Bankruptcy

Achieve freedom from your debt with bankruptcy.

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Key highlights

  • Eliminate your unmanageable debt in as few as nine months
  • Creditors cannot refuse your bankruptcy
  • No maximum debt threshold
  • Peace of mind and a fresh financial start
  • Manage documents and paperwork through our client portal

Bankruptcy is not your only debt relief option, but it could be the right choice for you. Bankruptcy is a legally binding solution regulated under Canada’s Bankruptcy and Insolvency Act and can give you a fresh financial start.

While bankruptcy will give you and your family immediate financial protection, it should be considered a last resort after other debt relief options, such as a consumer proposal, have been reviewed.

Our Licensed Insolvency Trustees will review your unique financial situation and help you decide if bankruptcy is your best step toward financial recovery and debt freedom.

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Option 3

Debt counselling

Looking to get yourself back on track?

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Learn how to:

  • Better understand the debt accumulation and collection process
  • Negotiate with your creditors to reduce interest and other costs
  • Develop your own do-it-yourself debt management strategy

If you are self-motivated and determined to do the work yourself, building your own debt management plan could be right for you.

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We’re here to help

Get in touch

Managing debt can be difficult, but we’re here to help. Our Insolvency Advisors can show you your options and help you choose the best plan for you.

Call us

Call our toll-free number and talk live with an advisor.

1-855-884-9243

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Leave us your information and one of our advisors will reach out to you.

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Start a live chat

Chat live with an insolvency advisor during the following hours: Mon–Thurs: 6:30am–8:00pm, Fri: 6:30am–5:00pm, Sat: 8:00am–5:00pm, MDT.

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Find a location

Connect with us in person at a location near you.

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