Debt relief including consolidation in Hamilton
Conquer debt. Rebuild your worth with your Hamilton Ontario Debt Relief Specialists.
We've Helped Thousands Of Canadians Eliminate Debt Since 2002. We Can Help You Too!
FREE CONSULTATION. We'll find the right solution for your specific financial situation and get you back on track to rebuilding your worth today, debt free.
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or Call 1-855-884-9243 Today (One convenient toll-free number to talk to the Hamilton + Area Office nearest you).
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Eliminate Your Debt? You Have Options.
At Bromwich+Smith, we've been helping people eliminate debt since 2002. We understand the stress debt can put on all parts of your life. However, no matter what your financial situation, when you give us a call you can rest easy knowing that there are debt relief solutions available that will stop all creditor actions, eliminate you debt and get you back on track to rebuilding your worth today. At Bromwich+Smith in Hamilton, our dedicated team of Debt Relief Specialists have the expertise and Federal licensing and authorization to work with you to find and offer debt relief solutions tailor-made for your specific financial situation.
Free Consultation.
No need to travel to our office for your consultation. Your FREE CONSULTATION can take place over the phone from the comfort of your home, office or wherever is convenient for you. During your consultation, a Bromwich+Smith Debt Relief Specialist will ask you a number of questions to establish the details of your current financial situation. Using these details, we are able to determine which debt relief option or options would be the best fit for your situation. We'll provide you with details on each option, allowing you to make a well informed decision on what will work best for you.
You Have Options.
Is There An Alternative to Filing Bankruptcy? Yes!
At Bromwich+Smith in Hamilton, although declaring bankruptcy is available, bankruptcy is not your only option. We offer a powerful bankruptcy alternative called a Consumer Proposal, which restructures your debt based on what you can afford, and provides you with up to 5 years to pay.
Are CRA Tax Debt, Credit Card Debt, Bills, Payday Loans, Wage Garnishments and Legal Actions Dealt With By A Consumer Proposal? Yes!
All unsecured debt is included in a Consumer Proposal. Talk to a Bromwich+Smith Debt Relief Specialist to get the details and determine if this powerful debt consolidation solution is the best option to eliminate your debt and start rebuilding your worth today.
Consumer Proposal
Here's how a Consumer Proposal works:
Usually eliminates your debt while only requiring repayment of a portion of your original debt. The remainder is forgiven. A Bromwich+Smith Trustee will negotiate with your creditors on your behalf, reaching a debt repayment proposal based on what you can afford, not what creditors were demanding.Once a proposal is accepted, creditors can't come back for more. Your proposal amount is set, regardless of increases in income or other windfalls. Immediately upon filing, creditors must stop contacting you and all legal actions are stopped. It's the law.Your debts are consolidated into one affordable INTEREST FREE monthly payment, with up to 5 years to pay.There are No Additional Fee Payments from you. We are paid by a set government tariff that comes out of the final proposal settlement with your creditors.
Debt Consolidation Loans
Debt consolidation loans are usually available from your bank or other financial institute. The consolidation of all of your debt into one loan could be the solution for you if your primary goal is to give yourself time to pay and potentially obtain a lower interest rate on high interest debts. However, unlike a Consumer Proposal which also consolidates your debts, with a consolidation loan you usually are required to have a good credit rating and own sufficient assets that can be used to secure the loan. Further, with a consolidation loan, you are still required to pay back all of your original debt, with interest. A Bromwich+Smith Debt Relief Specialist will go over the details plus any strengths and weaknesses with you. Learn More »
Declare Bankruptcy
When examining your financial situation, filing bankruptcy is one debt relief option that will be explored. Bankruptcy is always the last option after all other alternatives have been considered. However, for some situations, bankruptcy could be the best option to take control of your debt and wipe the slate clean. We'll give you the facts you need to allow you to fully understand the bankruptcy process and determine if it is the right option for you. Learn More »
Debt Counselling
Not all debt issues require a Consumer Proposal, Bankruptcy or other restructuring option. Sometimes, taking control of debt simply requires having the right knowledge and tools. Debt counselling could provide this for you. Learn More »
Hamilton and Area Office: 21 King St W 5th floor, Hamilton, ON L8P 4W7(By appointment only)
One convenient number to talk to the local office nearest you. Toll Free: 1(855) 884-9243
By law, only aLicensed Insolvency Trustee like Bromwich+Smith can administer a Consumer Proposal or bankruptcy for you. Your consultation is free and no referral is needed.
Meet Your Hamilton & Area Licensed Insolvency Trustee
Meet other members of the Bromwich+Smith team HERE
Bonnie Bryan, CIRP
Licensed Insolvency Trustee