rebuild your worth.
Start Fresh. Debt Free.
Your Langley & Area Debt Relief Specialists.
You Have Options!
Since 2002, We've Helped 1000's of Canadians Eliminate Debt. We Can Help You Too!
We're Ready To Help You Today!
We understand that anyone can experience debt, and at Bromwich+Smith in Langley we are here to give you the nonjudgmental, confidential and unbiased assistance you need.
We are an experienced team of Debt Relief Specialists and Licensed Insolvency Trustees authorized by the Federal and BC governments to provide debt relief solutions that will immediately stop creditor actions, and are legally binding on all creditors, getting you back on the right track to rebuilding your worth, debt free.
Our team lives in and around the cities and communities we serve, and since 2002 we have proudly helped thousands of Canadians eliminate their debt. We're here to help you too.
Your FREE CONSULTATION can take place on the phone from the comfort of your home.
Call 1-855-884-9243 One convenient toll-free number to talk to the Bromwich+Smith Langley Office or to find the Local BC Office nearest you.
You Have Options for Debt Relief Today.
When dealing with debt, it may seem that there is no solution. At Bromwich+Smith in Langley, we are here to assure you that there is always a solution, and we will find the right solution tailored to your specific debt situation. You can trust us to work with you to provide a solution that will settle your debt once and for all and Rebuild Your Worth, starting today.
Consumer Proposal. A Powerful Debt Relief Solution.
A Consumer Proposal is a Federally legislated program which restructures your debt, usually reducing amount owing to just a percentage of original debt, based on what you can afford and not what creditors were demanding. Bromwich+Smith negotiates on your behalf with your creditors, consolidating your proposal amount into a single monthly payment. You have up to 5 years to pay the reduced proposal settlement amount, Interest Free.
A Consumer Proposal is a powerful alternative to bankruptcy, eliminating your debt while giving you significant legal protection without having to file bankruptcy. Talk to our Debt Relief Specialist in Langley today to find out if a Consumer Proposal is the right solution for you.
Here's How A Consumer Proposal Works
+ Credit Card Debt, CRA Tax Debt, Payday Loans...It's All Included In A Consumer Proposal.
A Consumer Proposal includes all unsecured creditors, and is legally binding on all creditors.
+ Settle Debts For Only A Percentage of Original Debt Owing. The Remainder is Forgiven.
Bromwich+Smith negotiates with your creditors on your behalf, usually reducing debt to only a percentage of original amount owed. The rest is permanently forgiven. Plus, a Consumer Proposal is based on your current financial situation. Once accepted, creditors can't come back asking for more.
+ Creditor Collection Activities and Legal Actions Are Immediately Stopped.
Immediately upon filing, all creditor collections and legal actions must stop. No more bothersome calls or stressful letters. If wages are being garnisheed, this too is stopped.
+ Does Not Involve Your Assets
Your home, car and other possessions are not touched by a Consumer Proposal.
+ No Interest Charges + 5 Years To Pay.
There are absolutely no interest charges with a Consumer Proposal. Plus, Proposal can be paid over 5 years, with affordable monthly payments.
+ No Hidden Fees.
There are no fee payments from you. We are paid by a government tariff included in the settlement to your creditors.
+ Bank Consolidation Loan vs Consumer Proposal.
Consolidation of all of your debt into one bank loan could be the right debt help solution for you if you still have a good credit rating, significant assets to secure a loan and just need time to pay. However, unlike an interest free, reduced balance Consumer Proposal, when you consolidate with a bank consolidation loan you are still responsible for paying 100% of your credit card debt, tax debt and other debts as well, with interest.
Filing for bankruptcy can still be the best option for specific financial situations. Your Langley Bromwich+Smith Debt relief Specialist will examine all options, and will only recommend bankruptcy after all other options have been explored. There are a number of exemptions available with a bankruptcy, including protection of your Pensions, RRSP's and other registered savings plans, plus a bankruptcy can give you the fresh start you need, debt free. We'll give you the details you need to determine if declaring bankruptcy is best for you. Learn More »
Credit counselling can provide you with the right knowledge and tools to take control of your debt. Learn More »
Avoid Unnecessary Fees
Only a Licensed Insolvency Trustee like Bromwich+Smith in Langley has the legal authority to administer a Consumer Proposal or file a Bankruptcy for you. In fact, if a debt relief service offers a Consumer Proposal or Bankruptcy to you, ask if they are Licensed Insolvency Trustees. If they are not, they will by law be required to engage an external Trustee, while adding their unnecessary middleman fees to the process. The Federal government recommends you deal directly with a Licensed Insolvency Trustee like Bromwich+Smith. Contact us now and start rebuilding your worth today.