rebuild your worth

Debt Help.  Consumer Proposal and Bankruptcy

Start Fresh. Debt Free. Talk To The Debt Relief Specialists. You Have Options!

Congratulations on taking the first step to take control of your debt. By making the decision to seek out debt relief options, you are already on your way to a brighter financial future.

Free Consultation - We Are Ready To Help You Today!

At Bromwich+Smith, we understand that anyone can experience debt, and we are here to give you the unbiased and nonjudgmental assistance you need.

We are a team of Debt Relief Specialists and Licensed Insolvency Trustees authorized by the Federal and Provincial governments to provide debt relief solutions that are legally binding on creditors, will immediately stop creditor actions and will get you back on the path to rebuilding your worth, debt free.

Our team lives in and around the cities and communities we serve, and since 2002 we have proudly helped thousands of Canadians eliminate their debt. We're here to help you too.

Your FREE CONSULTATION can take place on the phone from the comfort of your home.

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One convenient toll-free number to talk to the Local Office nearest you.

Personal bankruptcy & consumer proposals

Alternative to filing and declaring bankruptcy

Free Credit Counselling

Debt help and debt relief

Counselling, consolidation, bankruptcy options.

Declaring bankruptcy not only option

Bankruptcy? Consumer Proposal? You Have Options!

Consumer Proposal

With a Consumer Proposal, Bromwich+Smith negotiates 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.

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Declare Bankruptcy

Before recommending filing a bankruptcy, all other debt relief options are explored. However, in some cases, bankruptcy can be the best solution to eliminate debt & start fresh. A Bromwich+Smith Debt Relief Specialist will go over your finances with you and provide you with the facts you need to determine if a bankruptcy could be best for you.

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Credit Counselling

Sometimes, gaining control over debt is simply a matter of looking at your finances differently. Credit Counselling can provide you with the tools and knowledge you need.

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Debt Consolidation

If you are having issues making anything beyond minimum payments, but still have a good credit rating, valuable assets, and want to combine all of your debts into one payment, a debt consolidation loan might be the right solution for you.

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Client Stories


Adam takes us through his journey of dealing with stress and unmanageable debt brought on by a separation and a period of under employment.


Amy, a single mother of 4, struggles to make it through the stress brought on by unmanageable debt while she provides for her family.


George struggles to keep afloat during a very stressful period of financial hardship, while staying at his wife's side during critical illness.

Join us as we take the journey with 5 clients that have chosen to share their stories of how they struggled through debt, and how they have found new hope and optimism and are back on the path to rebuilding their worth.


Struggling with injury and job loss, Linda's financial situation deteriorates with unmanageable debt.

Linda P

Explore Linda’s story as she recovers from an injury, family hardship and the resulting devastating debt.

You're now on the journey towards rebuilding your worth. Let's take it together.