North York Ontario
Licensed Insolvency Trustees

North York Ontario Bankruptcy Relief

Rebuild Your Worth. Bromwich+Smith Has Helped Thousands Of
Canadians Eliminate Debt Since 2002. We Can Help You Too!

FREE CONSULTATION. No matter the financial situation, we'll find the right solution to eliminate your debt, stop creditor actions, and get you back on track to rebuilding your worth today, debt-free.

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

Your North York Ontario Debt Relief Specialists.

Book Online or Call 1-855-884-9243

North York - Proposal & Bankruptcy


What Is The Best Solution To Eliminate My Debt?

No matter how difficult or complicated you believe your financial situation is, you can rest assured that there are always options to explore. In some cases, declaring bankruptcy can be the best option to eliminate your debt and give you a fresh start. In other cases, you might be better served by another debt relief option, like a Consumer Proposal, where you usually pay back only a percentage of what you owe, interest free. At Bromwich+Smith, we will examine your financial situation with you and find the best solution for your specific financial situation. Your consultation is always free and can take place on the phone from the convenience of your own home. 

your options.

Consumer Proposal

Debt unmanageable? Only making minimum payments or falling behind on bills?  A Consumer Proposal could offer the debt relief you need. With a Consumer Proposal, Bromwich+Smith reaches a legally binding agreement with your creditors for you, usually offering to settle your debt for a percentage of original amount owing, and allowing you an extended period of time to pay.

Benefits of a Consumer Proposal:

PlusBromwich+Smith negotiates with your creditors for you, offering a debt restructuring payment based on paying back only what you can afford, not what creditors are demanding. 
PlusAll unsecured creditors, including credit cards and Canada Revenue Taxation, are bound by the conditions of the proposal, even if not all agree.
PlusYour assets are not touched by a proposal. 
PlusAll collection activities and legal actions, including garnishees, are immediately stopped.
PlusEvery payment goes to paying off the proposal, interest free.
PlusNo hidden fees. We are paid by a government tariff, which is covered by the settlement amount with your creditors.

other options.


No one wants to declare bankruptcy.  Most people will do everythign they can before considering bankruptcy. However, fact is, sometimes a bankruptcy can be the best option to eliminate your debt and get you back on the path to rebuilding your worth. At Bromwich+Smith, we'll give you the facts you need to determine if a bankruptcy might be the best option for you. Learn More »

Debt Counselling

For some financial situations, budgeting advice and the right tools might be all you need to take control of your debt and plan for a secure financial future. Learn More »

Debt Consolidation

Debt consolidation loans are usually available through your bank or other financial institution. With a debt consolidation loan, your debts are consolidated into one loan, often reducing the interest you are required to pay and providing you with extended time to pay. A Bromwich+Smith Debt Relief Specialist will go over the details of with you and explain the differences between a consolidation loan and a consumer proposal.   Learn More »

North York and Area Office 45 Sheppard Ave. E. Suite 900 North York, On M2N 5N1 (By appointment only).

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

Bromwich+Smith Office

43.7617192, -79.4080531