rebuild your worth

Chilliwack bankruptcy consumer proposals

Helping Thousands Of Canadians Eliminate Debt Since 2002,
Bromiwch+Smith Can Help You Too!

Free Consultation. Never A Cost. No Obligation.

Free Consultation: Your Chilliwack Bromwich+Smith Debt Relief Specialist will explore all debt relief options that are available to solve your specific debt situation. Your consultation is always free and can take place on the phone from the convenience of your home.

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or Call 1-855-884-9243 (One convenient toll-free number to talk to the Local office nearest you).

Chilliwack and Area Debt Relief Specialists.

Creditors Calling? Legal actions against you? Unable to pay down debt or unable to make any payments at all? Your Chilliwack Bromwich+Smith debt relief specialist is here to help. We can put an immediate stop to all creditor actions and provide you with the clean slate and fresh start you need.  We are Federally & Provincially licensed and regulated to offer debt relief solutions, including consumer proposals and bankruptcy, to get you back on track to rebuilding your worth today.

stop creditor actions + eliminate debt = rebuild your worth.

Consumer Proposal

A Consumer Proposal can be a strong alternative to declaring bankruptcy, and for many debt situations, the best solution.  Like filing bankruptcy, it is federally regulated, and it provides legal protection from your creditors. Unlike declaring bankruptcy,  your assets aren't touched by a proposal, and your proposal amount is based on what you can afford, not what you owe creditors. 

Features of a Consumer Proposal:

PlusBromwich+Smith negotiates with your creditors for you, reaching a proposal which may forgive a significant portion of your debt.
PlusYour proposal amount is paid over a period of 5 years. Zero interest.
PlusYou are immediately protected against all creditor actions. Garnishees are stopped.  Bank accounts are unfrozen.
PlusProposal is legally binding on all creditors, including CRA and credit cards. 
PlusWe are paid by a government tariff which takes our fees out of the settlement with your creditors, after the settlement amount has been set.

What If a Consumer Proposal Isn't Right For My Situation?

Declaring bankruptcy can be the best option for some debt situations. Your slate is wiped clean and you get a fresh & debt free start. And you don't lose all of your assets. When filing bankruptcy you are allowed to keep a certain amount of equity in your home, your vehicles and your personal possessions.  And your registered savings and pensions are usually protected.Each province is different.  Your Bromwich+Smith Debt Relief Specialist can provide you with exemptions for your province. Learn More »

A Debt Consolidation Loan from a bank or other financial institute could be a viable option, however you will usually need to have a good credit rating and significant assets to secure the loan. A Consumer Proposal also consolidates your debt, while offering many features not available form a Consolidation Loan. We'll explain the differences between a consumer proposal and consolidation loan and give you the details you need to choose the best solution for you.  Learn More »

Chilliwack (By appointment only): Chilliwack Business Centre: 46167 Yale Rd E, Chilliwack, BC V2P 2P2. Also served by Offices in Victoria, Nanaimo, Kelowna, Kamloops.

One convenient number to contact the local BC office nearest you. Toll Free: 1(855) 884-9243