rebuild your worth.

Ontario Debt Relief

When you are in debt, it can feel like you are underwater. Congratulations on taking the first step to help get your head back above water and take control of your debt. By making the decision to seek out debt relief options, you are already on your way to a brighter financial future.

At Bromwich+Smith, we understand that anyone can experience debt, and we are here to give you the unbiased and nonjudgmental assistance you need.

We are a team of Debt Relief Specialists and Licensed Insolvency Trustees authorized by the Federal and Provincial governments to provide debt relief solutions that are legally binding on creditors, will immediately stop creditor actions and will get you back on the path to rebuilding your worth, debt free.


We're Ready To Help You Today!

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.

Click to Book A Free Consultation

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Call 1-855-884-9243  One convenient toll-free number to talk to the Local Office nearest you.

Personal bankruptcy & consumer proposals

Alternative to filing and declaring bankruptcy

Free Credit Counselling

Debt help and debt relief

Counselling, consolidation, bankruptcy options.

Declaring bankruptcy not only option

You Have Options.

No matter how difficult or complicated you believe your financial situation is, you can rest assured that there are always options to explore. We will examine your financial situation with you and provide you with the best solution for your specific financial situation. Whether that be budgeting, counselling, a consumer proposal or bankruptcy or another debt restructuring solution, you can trust us to work with you to provide a solution that makes you whole again and settles your debt once and for all.

Let's Take a Look At A Consumer Proposal. A Powerful Debt Relief Solution.

A Consumer Proposal is a powerful debt restructuring solution available only from a Licensed Insolvency Trustee like Bromwich+Smith. We negotiate with your creditors on your behalf, allowing you to pay back only a percentage of original debt owed, based on your budget and not what creditors were demanding. The rest is forgiven. A Consumer Proposal can be a powerful alternative to declaring bankruptcy. Talk to us today to find out if a Consumer Proposal is the right solution for you.

Filing bankruptcy is not your only option.  Eliminate debt with a Consumer Proposal


Here's How A Consumer Proposal Works

+ CRA Tax Debt, Credit Card Debt, Payday Loans...It's All Included In A Consumer Proposal.

A Consumer Proposal includes all unsecured debt, 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. Plus, Proposal amount is based on current financial situation. Once accepted, creditors can't come back asking for more.

+ Collection Calls & 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.

Get off the interest treadmill. There are absolutely no interest charges with a Consumer Proposal. Plus, Proposal can be paid over 5 years.

+ No Hidden Fees.

There are no fee payments from you. We are paid by a government tariff included in the settlement to your creditors.

Other Options

Declare Bankruptcy

Although always the last option after all other options are explored, filing bankruptcy can still be the best option for specific financial situations. 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 »

Debt Counselling

Sometimes, taking control of your debt is a matter of having the right knowledge and tools. Debt counselling can provide this for you. Learn More »

Bank Consolidation Loan vs Consumer Proposal

Consolidation of all of your debt into one bank loan could be the right debt help option for you if you still have a good credit rating, own assets and just need time to pay. However, unlike a Consumer proposal where you usually only payback a percentage of original owed, with a bank consolidation loan, you are still responsible for paying 100% of your debt, you will continue to pay interest, and you may be required to secure your loan with your valuable assets. Learn More »

Avoid Unnecessary Fees

Only a Licensed Insolvency Trustee like Bromwich+Smith 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 today and start rebuilding your worth today.

Call Us Today. One convenient toll-free number to talk to the Local Office nearest you. 1(855)884-9243 (Toll Free)

Free Consultation

Our team of Debt Relief Specialists are here to offer you unbiased and nonjudgmental assistance, providing you with the right solution to stop creditor actions, eliminate your debt and get you back on track to rebuilding your worth today. Your consultation is always free and can occur over the phone and from the comfort of your own home. You are now on the path to being debt free.

What Happens During Your Free Consultation?

First, a Bromwich+Smith Debt Relief Specialist will go over the details of your current financial situation with you.

Next, we'll explore your options with you and develop a debt relief solution tailored to your situation. 

Click to Give Us A Call

or Please fill in this short form to book you FREE Consultation.

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Business owner | Self employed

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