Saint John New Brunswick
Licensed Insolvency Trustees
rebuild your worth. you have options.
Debt doesn't pick favourites. Anyone can experience debt. And when struggling under debt, the strain on everyday life can be tremendous. At Bromwich+Smith, we understand the stress that debt can have on all aspects of your life.
Our team of Saint John Debt Relief Specialists are here to assist you with unbiased and compassionate help, finding the right solution that will eliminate your debt and get you back on track to rebuilding your worth today. You can rest assured, no matter how complicated you may believe your debt problems to be, there are always options to explore, including debt consolidation, consumer proposals, bankruptcy, or just credit counseling. Your debt relief consultation is always free and can take place on the phone from the convenience of your home. If you’re in New Brunswick and looking for debt relief service we can help you.
Call 1-855-884-9243 (One convenient toll-free number to talk to the Saint John- New Brunswick Debt Relief Office).
During your free consultation, a Bromwich+Smith Debt Relief Specialist will review your finances with you, determining what you owe and to which creditors, what you earn and what you own. Based on this information we will be able to find the best debt relief solution(s) for your financial situation. We'll explain the advantages and any disadvantages of each option in a clear and concise way, free of confusing jargon. Your consultation can take place in person, over the phone or by video conferencing, whichever works best for you.
Is There An Alternative to Declaring Bankruptcy? Yes!
At Bromwich+Smith, we don't just offer bankruptcy. We also offer a powerful bankruptcy alternative called a Consumer Proposal. For debt relief, declaring and filing bankruptcy is not your only option.
With a Consumer Proposal, Bromwich+Smith negotiates debt relief with your creditors for you, reaching a debt settlement plan that is interest free and usually based on repayment of only a percentage of original debt owed. The rest is forgiven. You pay back what you can afford, not what creditors are demanding. Immediately stops all creditor actions. Learn More »
Can Tax Debt, Credit Card Debt, Bills, Payday Loans, Wage Garnishments & Legal Actions Be Dealt With? Yes!
A Consumer Proposal includes all unsecured debt, including CRA tax debt, credit card debt, payday loans and other bills. Plus, if your wages are being subject to a garnishment or your creditors have taken legal action against you, this too is immediately stopped. Talk to us today to find out if this powerful debt consolidation solution is the best debt relief option for you.
If a proposal is not right for your particular financial situation, we will provide you with the information you need to determine if bankruptcy could be your best option. There are a number of exemptions available with a bankruptcy as well, allowing you to keep a portion of your home equity, a vehicle up to a certain value, your pensions and other registered savings plans and other exemptions. Call us today to help determine if a Consumer Proposal or a Bankruptcy might be the best debt relief option for you. Learn More »
Sometimes, gaining control over debt is simply a matter of looking at your finances differently. Credit Counselling can provide you with the tools and knowledge you need, so that you will be in a situation where you need to consider other debt relief solutions. Learn More »
Consolidation of all of your credit card debt and other bills into one loan could be the right debt help option for you if you still have a good credit rating, assets and just need time to pay. However, unlike a Consumer Proposal, with a consolidation loan, you are still responsible for paying 100% of your debt. Learn More »
Saint John and Area Office (By appointment only).
107 Charlotte Street, Saint John, New Brunswick E2L 2J2
One convenient number to talk to the local office nearest you. New Brunswick Toll Free: 1(855) 884-9243
Your Saint John and area Licensed Insolvency Trustee. Meet members of the Bromwich+Smith team here.