Bromwich+Smith Team

Articles

What is a consumer proposal annulment?

Introduction: What happens if a consumer proposal is annulled? A consumer proposal is a formal, legally binding agreement that allows Canadians to repay a portion of their unsecured debt over…

Debt relief

09 Jun, 2026

What does a Licensed Insolvency Trustee do?

Introduction: What is a Licensed Insolvency Trustee? When Canadians start searching for help with their debt, one question often comes up first: what does a Licensed Insolvency Trustee do? A…

Debt relief

08 May, 2026

Debt stress and mental health

When debt affects more than your finances When credit card debt grows faster than it can be paid down, bills start piling up, and managing every day costs feels like…

Financial wellness

08 May, 2026

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

What is the difference between bankruptcy and a consumer proposal in Canada?

When debt becomes overwhelming, many Canadians start looking for real solutions. Two options usually come up first: bankruptcy and a consumer proposal. Both are federally regulated debt relief options in…

Debt relief

07 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

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