Licensed Insolvency Trustees
Rebuild Your Worth. Your Kingston Ontario Debt Relief Specialists.
We've Helped Thousands Of Canadians Eliminate Debt Since 2002. We Can Help You Too!
Click to Book A Free Consultation
or Call 1-855-884-9243 (One convenient toll-free number to talk to the Kingston & Area Office nearest you).
Free Consultation. Bromwich+Smith Will Find The Right Debt Relief Solution For You.
During your free consultation, a Kingston Bromwich+Smith Debt Relief Specialist will go over your finances with you, determining who you owe, how much you owe, your income, if any, and any active creditor actions against you. We'll use this information to provide you with an unbiased recommendation as to the best path to eliminate your debt today. We appreciate that each financial situation is unique, and we'll look at all the available options and provide with a debt solution tailor made for specifically for you. There is never a cost or any obligation for your consultation.
Here's how a Consumer Proposal works:
Bromwich+Smith negotiates the restructuring of your debt with your creditors on your behalf, offering a settlement which is based on what you can afford, not the original amount owing. Most proposals are settled for a percentage of original debt, with the remainder being forgiven.
Canada Revenue Agency Tax debt, credit card debt, bills and all other unsecured debts are included in a proposal.
Immediately upon the filing of your proposal, all creditors actions are stopped. This means no more phone calls, and any wage garnishees are stopped.
A proposal allows up to 5 years to pay. Plus, there are no interest charges, so everything you pay goes directly to paying the proposal.
There are No Direct Fee Payments. We are paid by a tariff amount set by the Federal Government that comes out of the final settlement amount to your creditors.
A Credit Counsellor can provide you with the tips, tools and guidance you need to take control of your finances today and for the future. Learn More »
In some financial situations, filing bankruptcy can be the best option to eliminate debt. However, you can rest assured that all other options will be examined first before recommending bankruptcy. If after a thorough examination of your finances it is still determined that bankruptcy is the best solution for you, we'll provide you with all the details you need to understand the process and make an informed decision. Learn More »
Bank or Other Financial Institution Debt Consolidation Loan
A debt consolidation loan can be used to make a lump sum payment to several creditors, and then usually allows you to pay off the combined debt over several months or years, and sometimes at a lower interest rate. A consolidation loan usually requires a good credit rating, and assets to secure the loan. We'll help you understand the details of how a consolidation loan works, and explore if a Consumer Proposal would be a better option for you. Learn More »
Kingston and Area Office: 221 Queen St., Kingston, ON K7K 1N8 (By appointment only)
One convenient number to talk to the local office nearest you. Toll Free: 1(855) 884-9243
Meet Your Bromwich+Smith Kingston & Area Licensed Insolvency Trustee
Meet other members of the Bromwich+Smith team HERE
CIRP, LIT, CPA, CGA