Saint John New Brunswick 
Licensed Insolvency Trustees

rebuild your worth. you have options.

Debt doesn't pick favourites. Anyone can experience debt. And when struggling under debt, the strain on everyday life can be tremendous. At Bromwich+Smith, we understand the stress that debt can have on all aspects of your life.

Our team of Saint John Debt Relief Specialists are here to assist you with unbiased and compassionate help, finding the right solution that will eliminate your debt and get you back on track to rebuilding your worth today. You can rest assured, no matter how complicated you may believe your debt problems to be, there are always options to explore, including debt consolidation, consumer proposals, bankruptcy, or just credit counseling. Your debt relief consultation is always free and can take place on the phone from the convenience of your home. If you’re in New Brunswick and looking for debt relief service we can help you. 

You Have Options! We are here to help, Monday through Saturday. Talk to our team of Saint John Debt Specialists today!!

your options.

Is There An Alternative to Declaring Bankruptcy? Yes!

At Bromwich+Smith, we don't just offer bankruptcy. We also offer a powerful bankruptcy alternative, called a Consumer Proposal. For debt relief, declaring and filing bankruptcy is not your only option.

With a Consumer Proposal, Bromwich+Smith negotiates debt relief with your creditors for you, reaching a debt settlement plan that is interest free and usually based on repayment of only a percentage of original debt owed. The rest is forgiven. You pay back what you can afford, not what creditors are demanding. Immediately stops all creditor actions. Learn More »

Can Tax Debt, Credit Card Debt, Bills, Payday Loans, Wage Garnishments & Legal Actions Be Dealt With? Yes!

A Consumer Proposal includes all unsecured debt, including CRA tax debt, credit card debt, payday loans and other bills. Plus, if your wages are being subject to a garnishment or your creditors have taken legal action against you, this too is immediately stopped. Talk to us today to find out if this powerful debt consolidation solution is the best debt relief option for you.

Declare Bankruptcy

If you are struggling with high interest rates and unable to make payments on your debts, it might be time for a more serious solution such as bankruptcy or a consumer proposal. Yet, declaring bankruptcy is a big decision and, often times, there are other ways to find debt relief in Saint Johns. If a proposal is not right for your particular financial situation, we will provide you with the information you need to determine if bankruptcy could be your best option. There are a number of exemptions available with a Saint Johns bankruptcy as well, allowing you to keep a portion of your home equity, a vehicle up to a certain value, your pensions and other registered savings plans and other exemptions. Call us today to help determine if a Consumer Proposal or a Bankruptcy might be the best debt relief option for you. Learn More »

Debt Counselling

We offer debt counselling solutions for individuals in Saint Johns who are looking for debt relief. Sometimes, gaining control over debt is simply a matter of looking at your finances differently. This can be as easy as re-evaluating your budget and making some tweaks, or as complex as restructuring your debt to pay it off faster. If you need help overcoming the stress of debt, or learning how to best manage your money, we can help. Debt Counselling can provide you with the tools and knowledge you need, so that you will be in a situation where you need to consider other debt relief solutions. Our Saint Johns Debt Relief specialists will review your situation and help you understand what debt relief options are available. From there, we will help you create a plan to reduce your debt to something manageable. Learn More »

Consolidate Debt in Saint Johns

Consolidating your debt can be a great way to simplify repayment of all your debts. This is usually done by taking out one loan at a lower rate and using the money to pay off multiple creditors. All interest rates on both loans will run concurrently, which means you will be paying less interest overall. Consolidation of all of your credit card debt and other bills into one loan could be the right debt help option for you if you still have a good credit rating, assets and just need time to pay. However, unlike a Consumer Proposal, with a consolidation loan, you are still responsible for paying 100% of your debt. To find out if consolidation is right for you, speak to one of our Saint Johns Debt Relief specialists today. Learn More »

Saint John and Area Office (By appointment only).

107 Charlotte Street, Saint John, New Brunswick E2L 2J2

One convenient number to talk to the local office nearest you. New Brunswick Toll Free: 1(855) 884-9243

Your Saint John and area Licensed Insolvency Trustee. Meet members of the Bromwich+Smith team here.