Bromwich+Smith Team

Articles

Everything you need to know about bankruptcy in Canada (and whether it might be right for you)

The bills are paid, but only just. The credit card gets used to cover what the pay cheque couldn’t, and next month looks the same as this one. The debt…

Debt relief

07 Apr, 2026

What is a consumer proposal? This debt relief option is the main alternative to bankruptcy

When debt becomes too much to handle, it can feel like there’s only one option: bankruptcy. But bankruptcy is not the only government-regulated option available. For many Canadians in this…

Debt relief

07 Apr, 2026

Feeling stressed about debt? Here’s how to start finding a solution

It’s late at night and your house is finally quiet. You’ve done the dishes and your emails have finally stopped. And for the first time all day, there’s time to focus on the…

Debt relief

27 Mar, 2026

Debt recovery process in Canada explained

When debt becomes overwhelming, many Canadians start searching for real solutions. The good news is that there are clear, regulated paths to debt relief in Canada, and you don’t have…

Debt relief

11 Mar, 2026

What to do when you can’t pay your bills in Canada

If you can’t pay your bills, you’re not alone. Many Canadians reach a point where keeping up with payments feels impossible, no matter how hard they try. Rising living costs,…

Debt relief

10 Mar, 2026

Understanding your debt relief options in Canada

Across Canada, many households are feeling the strain of higher everyday costs. Statistics Canada reports that the price of food and housing is rising, leaving many households with less room in their budgets to manage…

Debt relief

05 Feb, 2026

Insolvency? Debt relief? What do these terms mean?

If you’ve been searching the web trying to figure out how to deal with debt, you probably keep coming across these terms. But really understanding what “insolvency” and “debt relief” means, requires more than a dictionary definition.…

Debt relief

10 Dec, 2025

Money habits that help or hurt your financial health

Money touches every part of our lives. But for many of us, it’s easier to avoid looking closely at our spending habits or financial health. Maybe you’re hoping what you’re…

Financial tips

24 Sep, 2025

Buy now, pay later: how it can increase your debt

Over the past few years, buy now pay later plans, also known as BNPL, have gained popularity and have become a convenient way to shop. These plans offer an alternative…

Financial tips

08 Sep, 2025

How subscription spending can quietly increase your debt

Subscriptions have become an incredibly common way companies make their products and services available to us. Typically for a monthly fee you get access to endless shows, music, cosmetics, meals,…

Financial tips

08 Sep, 2025

Letting go of the stigma around debt

Debt takes a toll on more than just your bank account. It can quietly wear down your confidence. For many, just hearing the word “debt” can bring waves of shame,…

Financial wellness

26 Aug, 2025

Consumer proposal acceptance rate explained

When you’re exploring debt relief options, acceptance rate may be a term you gloss over in your research, but it shouldn’t be. A Licensed Insolvency Trustee’s acceptance rate is the…

Debt relief

21 Apr, 2025

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