Medicine Hat + Area Debt Relief

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 in Medicine Hat we understand and we can help. No matter how complicated you may believe your financial situation to be, there are always options. We have a dedicated team of Debt Relief Specialists ready to find a debt relief solution tailor-made to your specific financial situation.

free consultation.

During your free consultation, a Bromwich+Smith Debt Relief Specialist will review your finances with you, determining what you owe and to which creditors, what you earn and what you own. Based on this information we will be able to find the best debt relief solution(s) for your financial situation.  We'll explain the advantages and any disadvantages of each option in a clear and concise way, free of confusing jargon. Your consultation can take place in person, over the phone or by video conferencing, whichever works best for you.

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.

Here's how a Consumer Proposal works:

Bromwich+Smith negotiates with your creditors for you, offering a consolidated debt settlement which is usually based on repayment of only a percentage of what you originally owed and allows debt to be paid over a period of up to 5 years, based on what you can afford and not what creditors are demanding
All creditors are bound by the conditions of the settlement.
Collections, wage garnishees, and all other creditor legal actions are immediately stopped.
No interest charges.
All debts are consolidated into one affordable monthly payment.
A consumer proposal does not touch assets.
We are paid by a government tariff. There are No Fee Payments from you. 

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 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 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

Want to know how to budget?  Debt counseling can provide you with the knowledge and tools you need to help determine where your money is being spent each month, and to set budgets that work for you. Learn More »

Debt Consolidation from a Bank or Other Financial Institute

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. Learn More »

Medicine Hat and Area Office (By appointment only).

640 3 Street SE, Suite 270 Medicine Hat AB T1A 0H5

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

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