Call Us - Offices Across Alberta Contact Us By Email

Service Also Available In:

Punjabi: ਸਾਨੂੰ ਪੰਜਾਬੀ ਵਿਚ ਸੇਵਾ ਪੇਸ਼ ਕਰਦੇ ਹਨ.

Hindi: हम हिंदी में सेवा प्रदान करते हैं।

Urdu: ہم ہندی میں خدمت پیش کرتے ہیں .

1-855-351-3077 or 403-648-4011


FREE INITIAL CONSULTATION


NON-JUDGEMENTAL


IMMEDIATELY STOP ALL CREDITOR ACTIONS


NO HIDDEN FEES - We are paid by a gov't tariff


Discover Your Options.
Free Consultation.
Complete This Simple Form to Ask Us Your Questions. Convenient Locations Across Alberta.

Your Name(*)
Please let us know your name.

Your Email
Please let us know your email address.

Phone Number
Please write a subject for your message.

How do you prefer to be contacted?
Invalid Input

Choose a convenient location near you
Invalid Input

Message(*)
Please let us know your message.

When debt takes over, we will help you take back control.

At Bromwich & Smith Inc, we know that your debt doesn't define who you are, although when struggling with debt, you may feel it does. We understand that, at some point in our lives almost every person faces debt issues. Debt in and of itself is not a bad thing. Debt fuels economic growth for both businesses and individuals. Few could start a business or buy a car or a home without going into debt. The question is not whether we can avoid debt, but how can we manage it. When debt takes control and we can no longer manage it, that is the time to take action.


We've helped thousands of Albertans just like you gain control of their finances and start believing in their future again. Whether you need some simple advice, credit counselling, or the legal protection of a consumer proposal or a bankruptcy, we can help you too!

Force your creditors into a settlement and immediately stop all creditor actions.

We are an Officer of the Court, acting as Credit Counsellors, Consumer Proposal Administrators and Trustees in Bankruptcy. So, not only do we have the necessary skills to examine your financial situation and provide credit counselling, we also have the authority to present options to your creditors that will legally force them into a settlement and immediately stop all creditor actions.

You can be rest assured, declaring bankruptcy is not your only option. Contact us today. We can help you, no matter what your financial situation.


Your debt free tomorrow starts here today!
We understand the effect that debt can have on your life. There are solutions, and we are here to help you every step of the way.


Avoid Bankruptcy
With
A
Consumer Proposal

 


Stop ALL Creditor Actions
Legally Force Creditors Into Settlement
Make One Affordable Monthly Payment
No Interest
No Fee Payments From You
(We are paid through a govt tariff)


Start The Debt Advisor
When dealing with debt, knowing which path to choose can be difficult.

We understand and we can help!

How do you decide which path is right for you?

Do you owe one or two creditors, or are there several creditors looking for payment? Do you have an income or are you out of work or is illness preventing you from working? Do you have a mortgage, do you owe taxes, has credit card debt become overwhelming....and the list of questions goes on.

How you answer each question plays a critical role in which solution will work best for you. Choose the right path and you will be on your way to a brighter financial tomorrow. Choose a path that isn't the best for your unique financial situation, and you could end up with little or no protection against further creditor actions, and you might be risking losing assets and savings that would normally be protected under certain debt solutions, such as a consumer proposal or bankruptcy.

We will eliminate the confusion and find the best solution for you.

Bromwich & Smith has helped thousands of Albertans become debt free, and we can help you too. During your free initial consultation, we will ask you a few simple questions to allow us to analyze your current financial situation. With this information, we will be able to quickly determine the right debt solution for you.

Talk to Us. Your debt free tomorrow starts here today.

Call Us - Offices Across Alberta Contact Us By Email

DEBT SOLUTIONS

Before taking action on eliminating your debt, it helps to know what options may be available to you. We've included some basic information about each option below. Take a look and then give us a call. We'll help you with the details and get you on the right path to solving your debt problems today.

Credit Counselling

It can be really difficult to Create a Budget, especially when you`ve never done it before. This is what Credit Counsellors are really terrific at: helping you create a budget and helping you set up a plan to become debt free.

Since 2002 the Credit Counsellors here at Bromwich & Smith have helped people just like you to not only create a working budget, but they have also helped to immediately stop collection calls, creditor harassment, wage garnishments, asset seizure, and even income tax collection through a forced settlement process called a Consumer Proposal! Since we are an Officer of the Court there are absolutely no administration fees payable by you (because we get paid as an independent Federally Licensed Administrator through a government tariff). Not only is there no cost to you for our services, but because of the nature of our Government Appointment we are able to help you force a no interest settlement on your creditors, often for less than the total amount that you owe. Sound too good to be true? It`s the Law and the creditors have to respect it

Read More

Informal Arrangment

If you are having difficulty in making your monthly bill payments (or you are thinking that you are going to have trouble due to an unanticipated circumstance that has come up – car repair, school fees, etc.) your first reaction may be to simply ignore the problem (i.e. simply not make the payment) and then deal with whatever the creditor or creditors do to you as a consequence of not making the payment (a phone call, a letter, taking money directly out of your bank account, stopping utility services, garnishee, etc.). Doing nothing is a very normal consideration (and it is one that most people will immediately default to), but it is, unequivocally, the worst thing that you can do.

Read More

Sell Assets

When faced with the situation of being unable to make their monthly bill payments people often look to sell some of their assets to reduce their monthly payments and pay down their debt. While this might seem like a great idea it can sometimes be the worst thing that you can possibly do for yourself, your family and for your future. Before you start to sell assets or redeem RRSPs, RESPs and life insurance policies it is extremely important that you speak with one of our counsellors.

Read More

Consolidation Loan

Once you have built a budget and you have determined how much money is left over to service debt you may want to consider obtaining a debt consolidation loan. A debt consolidation loan is when a creditor (usually your bank) takes all of your debt and puts it all together (consolidates) into one single loan. The bank pays out all of the debts owing to each of the creditors and you make a monthly payment to your bank to pay back the money you borrowed (with interest of course).


Before the bank will do something like this they will want to see if you have some type of asset that they can take a security on. This means that if you don’t make the payment on the loan they can take the asset that you pledged as security and sell it to apply the money they receive to the loan (of course you’ll also have to pay any further amounts that are owed on the loan too if the asset doesn’t sell for enough to pay the balance owed).

Read More

Consumer Proposal

A consumer proposal is probably one of the best kept secrets in the world of debt repayment; and like most secrets, there is a great deal of misunderstanding about what they are, who can file them and how they work.

Simply put, a consumer proposal is a forced settlement that is put on your creditors through the assistance of a federally licensed debt restructuring company like Bromwich & Smith. When you file a consumer proposal, all of your creditors actions are immediately stopped (they can no longer call you, or continue a lawsuit, garnishee your wages or continue to hold a freeze on your bank account). Once the consumer proposal is filed, all of your creditors are immediately bound by the repayment terms of the consumer proposal that we file with the federal government on your behalf.

Read More

Bankruptcy

Bankruptcy is the very last thing that anyone wants to see happen. Your creditors don’t want you to go bankrupt. You don’t want to go bankrupt. And we at Bromwich & Smith want to do everything in our power to help you avoid bankruptcy by helping you with budgeting, credit counselling and by filing a consumer proposal.

However, after a one-on-one review of your finances with one of our counsellors, you may discover that the best option for you to get your financial life back on track is by filing bankruptcy. Filing bankruptcy is nothing to be ashamed of. Bankruptcy is a legal debt restructuring tool that is available to all Albertans with the assistance of Bromwich & Smith (in 2009 almost 10,000 Albertans obtained their fresh start by filing bankruptcy!).

Read More

After feeling lost and completely stressed, it was a great relief to find someone who was completely non-judgemental. Having someone explain all my options to me and helping with the pros and cons of every decision helped to make my choice easier.

From the initial meeting with Brian, to the counselling sessions with Shawn and Peter, I was made to feel completely at ease. Suggestions were made that will help me advance into the future with a greater sense of control over my decisions. Thank you so much for everything you have directed me to!

Joanne

Bromwich & Smith provided excellent customer service, and helped me to understand the big picture when assessing my financial situation.

Peter was instrumental in helping me 'snap out' of the illusion that a good credit score is all that matters. In my case bankruptcy was the best option, and this company helped me to realize that.

Mark

I came to Bromwich & Smith to discuss debt resolution. I met with Peter Stack. Peter was very personable and made me feel very comfortable and he provided me with all the options that were available to me.

After my initial meeting I feel very optimistic about solving my debt issues.

Nikki

Met with Andrew who is amazing. He explained everything from what the Firms duties are and what our duties are and what to expect. Andrew made us feel comfortable and confident that we will have our finances worked out and not be in this position again.

The people @ Bromwich & Smith are pleasant, personable, polite, considerate, understanding extremely knowledgable and caring, Thank You Andrew & Bromwich & Smith.

Hopeful

My only regret is that I didn't come sooner. Using a middle man costs more money for their fee as well as interest was accruing. Once I arrived I was treated with respect in an already stressful time.

I encourage you to come straight down to the trustee. There are more options than just bankruptcy.

Deanna

Bromwich and Smith has really helped make my life and financial state less stressful.Thanks to their financial background and expertise I have learned about situations I can get out of.

Also the financial plan allows me to breathe without creditors continuously calling me.

I recommend any one who doesnt know where to turn when they have too many creditors harrassing them to give them a try.

Lester

Professional, helpful, and non judgmental. If you're in debt and don't know what to do, call them for help! You will be very happy you did.

Lisa

This is long overdue but we had a meeting with Shawn at their south office and it was an excellent meeting with him. He made us feel comfortable and made us understand our options. We felt great leaving the place and was positive about dealing with our financial future.

We highly recommend Bromwich and Smith to those who are feeling hopeless about their financial situation.

Julia

Super professional, Amazing service, I went to 2 other trustees and By far Bromwich & Smith out performed both companies. The made it easy and comfortable. thanks a ton.

Tyler

After struggling for many years with my financial situation decided to take charge of it, I went online and found Bromwich & Smith inc, I decide to take the first step and called and it was the best decision I made. They helped me to the understand that everything was going to ok,

I'm really looking forward to a fresh start.”

Eddy

I was considering bankruptcy, my brother told me to look into a consumer proposal. I was referred to this company and its amazing. They are super helpful and I will be debt free soon!! You should speak with a trustee and get information if you are having debt problems! Thanks Shawn and Peter!!”

Dana

This service was excellent. We did not know what to do when I got cancer and could no longer work.

This company walked us through a proposal and answered all of our questions with compassion and expertise. The staff was professional and put you at ease during a very difficult time. We can't thank them enough.

Arlene

Excellent service, walked me throughout the process of a proposal step by step and made me feel comfortable in a time in my life when I didn't know what to do.

Steve

Awesome!! Awesome! Gave invaluable information, friendly atmosphere. These people helped me get a handle on a scary situation that I thought I had under control...BUT didn't!

Give these guys a call you would not regret it.

Newt

Everyone right from the beginning, starting with Renata who took my call, made me feel comfortable and at ease. I did not know about consumer proposals.

Thank you all ,for your compassion and expertise.

Gail

Speak to a trustee before you take any action. The people at Bromwich and Smith were very knowledgeable and took their time to address my needs. I signed a consumer proposal which was accepted by my creditors and I'm working towards becoming debt free. Comfortable and easy experience, I have already recommended it to a friend who is in a similar situation. Five Stars.

Bilal

Awesome!! Awesome! Gave invaluable information, friendly atmosphere. These people helped me get a handle on a scary situation that I thought I had under control...BUT didn't! Give these guys a call you would not regret it

Mahogony

All of the people at Bromwich and Smith has been Great. Shawn was very knowledgable and more importantly non-judgemental. He made me feel comfortable while talking about a very difficult subject. I liked the way he just 'told it like it is', no sugar coating!!! I would 100% refer people to this firm. OUTSTANDING!

Diane

When my husband and I first contacted Bromwich & Smith they were very pleasant and quite easy to talk to. They were also incredibly patient with my endless, and occasionally repetitive, questions and we never once felt like we were just another bad debt to deal with, as we had with other companies we contacted.

A heartfelt Thank-you! to everyone who was involved with our account; you all made this period of our life easier and we were able to navigate our options without stress or confusion.

Kalee

The staff were friendly and very informative. They offered great advice and future tips as well. I would recommend to someone else if they were looking for someone to talk to. Great help

Christina

After I my initial talk with the staff of Bromwich & Smith met Shawn, most understanding and passionate man who is there to help when we are in need. For me was hardest thing to make decision, many sleepless nights and days. Sometimes in life we have to look forward and not despair and suffer anymore because of circumstances that lead us in difficulties. I wish every one to have courage and come forward, when needed help.I did it and glad now that I can breathe and leave all my worries. Thank You

Violeta

My first time talking with a counsellor of Bromwich & Smith I met Peter, most understanding and passionate man that made me fell like a real person, not a loser because I had financial problems. Now I can live my life stress free. I would recommend Bromwich & Smith to anyone who faces a hard time financially.

Rachel

Some years ago I consigned on a morgtage for a friend and years later I found out the house went for closure, 5 years laters I was still dealing with it. It was just nice to know there is options out there for people in my situation to avoid bankruptcy.

Miguel

I thought that the only way I could get out of this mountain of debt that I had was to go bankrupt. After talking to Shawn at Bromwich & Smith, he explained to me that there were other options available to me that I knew nothing about. He told me about this program called a Consumer Proposal which was a way of dealing with my debt problem without going bankrupt! I just make one payment a month now with no interest, this I can handle! These people at Bromwich & Smith are TERRIFIC!

K

A necessary service for trying times. Very professional and informative. I would recommend them for any credit challenges. I was very unimpressed by the collections tactics used by creditors that are quick to lend and even quicker to railroad your life when the wheels fall off. High interest rates by lenders more then cover bad debt but it also appears to cover un professional collections efforts. Bromwich and Smith cut to the chase and aligned all creditors. Highly recommended.

Howard

They where very kind and understanding and walked me through the process. I can never thank them enough for how they helped me get my life financially back to not being contacted by creditors all the time. they where amazing and I would recomend them highly.

Anom

So distraught, I wasn't even able to make the appt myself. I was met with an understanding smile and respect. Lucky enough to meet with Sean directly I was immediately put at ease, my fears subsided and my self esteem restored. I was given such clear options with both of our positions defined. No hidden fees no hidden costs that some may accuse! I feel my life is on track now and I did not fail, I am restructuring my financial aspects. I implore anyone before they lose sleep worry themselves without need go see Sean and his team let the experts put you at ease there is no commitment in talking to them. I cannot promote or thank them enough I can sleep at night again and feel no anxiety, I should have done this sooner. Once again thank you for all that you do Bromwich and Smith.

G.M.

My husband and I found ourselves in a terrible financial bind after a couple of years of unforeseen medical and financial problems, that left us wondering as seniors if we were going to lose our home and farm. The financial burden we had was unbearable. Our excellent credit rating went to "not so great" credit rating in a matter of a year. We found our way to Bromwich & Smith. Our initial meeting with Shawn and Peter left us with many questions answered. They explained the pros and cons very well and were explicit in answering the many questions we had. Talking about debt problems is not an easy thing to talk about but with Shawn and Peter, it was easy. We were so scared of the thought of going into bankruptcy and thought we had no option. Well there was and our proposal was accepted. Now we can breathe a sigh of relief and enjoy life instead of getting up each day wondering if this would be the last day you slept in our house.
Do we recommend these folks? We certainly do.

Kat B

  •   Bromwich & Smith Inc
  •   Locations throughout Alberta
  •   Toll Free: 1(866)353-6726
  •   inquiries@solvingdebt.ca

     

     

  • Talk to one of our credit counsellors today.

     

    Mon - Thurs: 8 am - 8 pm

    Fri: 8 am - 5 pm

    Sat: 8 am - 2 pm


    After hours, please leave a message and your call will be returned on the next business day.