Stop debt now.

Reduce your debt by up to 80%.

We’ve helped tens of thousands of Canadians achieve freedom from their debt
Government-regulated debt forgiveness programs
Personalized plans with payments you can live with
Break free from financial stress

Our solutions

Get relief from debt

Working with a Licensed Insolvency Trustee such as Bromwich+Smith can help you avoid those less reputable or predatory options often offered to people who go looking for help with their debt.

Bromwich+Smith offers only government-regulated options for debt relief and we will work with you to determine which one is right for you.

Let Bromwich+Smith help you decide. It’s worth it.

Consumer proposal

Popular alternative to bankruptcy
Reduce your debt by up to 80%
Keep your assets
A monthly payment based on what you can afford
Stops all interest, penalties and collect attempts

Learn about consumer proposals

Bankruptcy

Eliminate your unmanageable debt in as few as nine months
Debts are legally discharged through court action
Creditors can’t refuse your bankruptcy
No maximum debt threshold

Learn about bankruptcy

Debt counselling

Do-it-yourself approach to manage your debt
Access to expert coaching and techniques
Learn how to self-negotiate with creditors
Establish solid financial goals

Learn about debt counselling

See if you qualify

Our solutions

Get relief from debt

Working with a Licensed Insolvency Trustee such as Bromwich+Smith can help you avoid those less reputable or predatory options often offered to people who go looking for help with their debt.

Bromwich+Smith offers only government-regulated options for debt relief and we will work with you to determine which one is right for you.

Let Bromwich+Smith help you decide. It’s worth it.

Consumer proposal

Popular alternative to bankruptcy
Reduce your debt by up to 80%
Keep your assets
A monthly payment based on what you can afford
Stops all interest, penalties and collect attempts

Learn about Consumer Proposals See if you qualify Learn more

Bankruptcy

Eliminate your unmanageable debt in as few as nine months
Debts are legally discharged through court action
Creditors can’t refuse your bankruptcy
No maximum debt threshold

Learn about Bankruptcy See if you qualify Learn more

Debt counselling

Do-it-yourself approach to manage your debt
Access to expert coaching and techniques
Learn how to self-negotiate with creditors
Establish solid financial goals

Learn about Debt Counselling See if you qualify Learn more

Why Bromwich+Smith?

Helping Canadians get out of debt since 2002
99% acceptance rate for consumer proposals
Client completion rates amongst the highest in the industry
We work with you to develop a plan for you
We empower and educate you

Choose Bromwich+Smith. It’s worth it.

See if you qualify Learn more

How we support your journey

We know you don’t need a lecture. You don’t need any more high-pressure, fear-based tactics. You need a partner to help you.

Our goals are to:

Ensure you know that your debt does not define you
Take the time to better understand you and your current situation
Provide you with a supportive, non-judgmental environment
Empower you to make an informed choice by presenting all your options

The journey

Complete the form and then select a day/time that works for you for a confidential, no-cost, no-obligation consultation.

During your consultation we will:

Take the time to get to know you and the circumstances that led to you reaching out for help
Explain the options available to you, including the pros and cons of each
Outline next steps for you
Ensure that you feel empowered to make a more informed decision

Put our experience to work for you.
It’s worth it.

Supporting your journey

Meet our team

When you meet with us, you’ll notice we’re different. Our approach is grounded in empathy and understanding the emotional toll of financial distress, which is why we offer a supportive, non-judgmental space for recovery. We take the time to better understand your unique situation and offer realistic, honest advice to help you build the confidence to take back control of your financial future.

Meet the team

What people are saying

Testimonials

The level of knowledge, compassion and customer service I received during this process has been exceptionally high. Everyone who handled my file was incredibly understanding, helpful and friendly. I was treated with respect and dignity, and I genuinely felt like they wanted me to succeed in my future endeavors.

Shaleene

I went from avoiding phone calls from creditors and 24/7 stress, to a huge sigh of relief as soon as I decided to make the call. They gave me the room to breathe that I needed to get back on track. I had support and understanding at every step of the process. Amazing staff! No surprises!

Charolette

It’s like a weight lifted off my back. I can’t thank you enough at Bromwich+Smith. Everything was explained to me thoroughly. You guys saved my life and my marriage. I highly recommend to anyone who is in a financial struggle don’t hesitate, call them.

Zarko

The stress that melted off my shoulders the moment I signed the paperwork…I should have done this years ago. Efficient and honest. If you need help, don’t wait years like I did. Bromwich+Smith can help. It’s what they are there for. Let them.

Bromwich+Smith were outstanding! I was in such a scary place financially and all of their staff were efficient, helpful, extremely knowledgeable, kind and supportive. Thanks to Bromwich+Smith I can now get on with rebuilding my life and confidence and look forward to the future. Amazing!!

Helen

Understanding, no judgment, very nice people. I felt like I was in good hands and I’m confident that choosing Bromwich+Smith to help me get through this stressful time was the right decision.

Thank you so much Bromwich+Smith! I’ve been struggling financially for the past 5 years or more. At first, I was hesitant but if only I knew that this program would help me in this kind of situation, I would have done it as early as possible. The team took care of everything for me, which helped me lessen my stress. If I have a friend in need, I would highly recommend them. Thank you so much Bromwich+Smith.

Danille

Google reviews

"I am SOOOOOO relieved! This was such an easy and simple process for me and my husband. Hooman, our representative, was so helpful and kind. We’re really excited to get our finances back on a successful track. Thank you."

Crystal Kells

"The level of compassion and customer service I received during this process so far has been incredible. I was treated with respect. Thanks to Nicole and Rick"

Cheikh Sonko

"The staff have been amazing throughout the process. Thank you to those who have helped with my situation. Keep up the great work everyone"

Leona White

"Had my consultation about a month ago and they provided me with great advice and a perfect plan for what I needed. Very grateful for their help and everyone involved to help me. I would highly recommend anyone for this company in need. Thank you again!"

Calyssa Joice

"Kind, efficient and took all the stress out of dealing with my financial situation… This company and employees really know what they are doing and have been a pleasure to work with despite the circumstances."

Shanda Sawyer

"Honestly, so thoughtful, helpful and informative. They are clear and kind. So easy to work with them! Would recommend."

Braeden Pritchard

"I should have called way sooner, but embarrassment kept me from it. Everyone I have been in contact with have been knowledgeable, kind and professional. I’m glad I called Bromwich and Smith!"