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. 

You Have Options, 7 days a week. Talk to our team of Saint John Debt Specialists today as these are what some of your options can look like:

Consumer Proposal

Considering Bankruptcy? Talk to Bromwich+Smith First

Declaring and filing bankruptcy is not your only option. At Bromwich+Smith in Saint John, we also offer a Consumer Proposal, a powerful bankruptcy alternative.

What is a Consumer Proposal and How Does It Relieve Your Debt?

• We negotiate with your creditors for you, proposing a settlement which is based on what you can afford, and not what creditors are demanding, usually allowing repayment of only a percentage of total debt owed.
• The conditions of your proposal are legally binding on all creditors.
• Creditor legal actions are all stopped immediately, including wage garnishees.
• There are no interest charges.
• our proposal is paid with one affordable monthly payment, allowing you up to 5 years to pay.
• Your assets are not touched with a proposal.
• No fee payments from you. We are paid through a government tariff.

Before declaring bankruptcy, all other debt relief and debt management options are explored. However, in some situations, filing bankruptcy can be the best restructuring option to allow you to start fresh and debt free. A Bromwich+Smith our Saint John based Debt Relief Specialist will go over your finances with you and provide the information you require to decide if filing bankruptcy is best for you. Learn More »

Debt relief consultation

During your free debt management consultation, a Bromwich+Smith Debt Relief Specialist will go over the details of your current financial situation with you and determine the best debt help options available for your situation. We'll provide you with details on each debt relief option, giving you the information you need to choose the best solution for you. Plus, no need to come into our Saint John office for your free consultation. You can talk to us over the phone from the comfort of your office or home, 7 days a week.

Credit Counselling

Credit counselling can provide you with the tools and knowledge you need to take control of your finances to build a secure financial future by better managing your debt--and by staying out of unnecessary debt. Learn More »

Debt Consolidation

A debt consolidation loan in Saint John consolidates all of your creditors into a single loan. However, unlike a Consumer Proposal, you are required to pay back 100% of debt with interest. Learn More »

Other debt support:

Bromwich+Smith also offer other debt support in the form of Tax Debt, Credit Card Debt, Bills, PayDay loans, Wage Garnishments and Legal Actions.

Call 1-855-884-9243 (One convenient toll-free number to talk to the Saint John- New Brunswick Debt Relief Office).

free consultation.

During your free consultation, a Bromwich+Smith Saint Johns 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.

your options.

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.

Declare Bankruptcy

If you are struggling with high interest rates and unable to make payments on your debts, it might be time for a more serious solution such as bankruptcy or a consumer proposal. Yet, declaring bankruptcy is a big decision and, often times, there are other ways to find debt relief in Saint Johns. 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 Saint Johns 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 »

Credit Counselling

We offer credit counselling solutions for individuals in Saint Johns who are looking for debt relief. Sometimes, gaining control over debt is simply a matter of looking at your finances differently. This can be as easy as re-evaluating your budget and making some tweaks, or as complex as restructuring your debt to pay it off faster. If you need help overcoming the stress of debt, or learning how to best manage your money, we can help. 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. Our Saint Johns Debt Relief specialists will review your situation and help you understand what debt relief options are available. From there, we will help you create a plan to reduce your debt to something manageable. Learn More »

Consolidate Debt in Saint Johns

Consolidating your debt can be a great way to simplify repayment of all your debts. This is usually done by taking out one loan at a lower rate and using the money to pay off multiple creditors. All interest rates on both loans will run concurrently, which means you will be paying less interest overall. 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. To find out if consolidation is right for you, speak to one of our Saint Johns Debt Relief specialists today. 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.