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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…

Debt relief
By Bromwich+Smith Team 09 Jun, 2026

How one Canadian made the journey from debt to recovery

“I had taken out some payday loans, cash money loans, things like that, and I could pay them, I could keep them paid, but it…

Debt relief
By Jeff Lewis 29 May, 2026

What your credit score really says about financial recovery

Ask many Canadians what a credit score measures, and they’ll tell you it’s a reflection of their financial health. According to Jeff Lewis, Chief Insolvency…

Debt relief
By Jeff Lewis 21 May, 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…

Debt relief
By Bromwich+Smith Team 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…

Financial wellness
By Bromwich+Smith Team 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…

Debt relief
By Bromwich+Smith Team 07 Apr, 2026

Why trying to Google your way out of debt doesn’t work

“There were a lot of questions I had. I didn’t really understand the whole process,” said Tommy (a pseudonym), about researching his consumer proposal online.…

Debt relief
By Shelley Vandenberg 07 Apr, 2026

Need debt help? Not sure what questions to ask about debt recovery?

Consider a credit counsellor or Licensed Insolvency Trustee There’s often a moment (or series of moments) when you realize you don’t just need budgeting tips.…

Debt relief
By Shelley Vandenberg 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.…

Debt relief
By Bromwich+Smith Team 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…

Debt relief
By Bromwich+Smith Team 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…

Debt relief
By Bromwich+Smith Team 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…

Debt relief
By Bromwich+Smith Team 10 Mar, 2026
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