St. John’s + Area
Licensed Insolvency Trustees

St. John’s  Debt Relief

Rebuild Your Worth. With Bromwich+Smith, Debt Relief in St. John’s Newfoundland

You Have Options for Debt Relief  in St. John’s, and throughout Newfoundland.

Click to Book A Free Consultation in our St. John’s Newfoundland Office.

Your St. John’s Newfoundland Debt Relief Specialists.

Book Online or Call 1-855-884-9243

Debt Relief in Newfoundland. You have options

Are you overwhelmed with creditor calls with no way to pay off the crushing debt? Are you struggling with managing monthly bills, accruing severe interest payments, incurring tax debt, being threatened with garnished wages, or considering getting a pay day loan? You aren’t in this alone, Bromwich+Smith has solutions.

At Bromwich+Smith we understand how financial debt can add pressure to all areas of your life. We know your financial condition is draining, and we are here to show you that you have options and we can help find best debt solutions.  

Free Consultation. Never A Cost. No Obligation.

Bromwich+Smith Debt Relief Specialists in St. John’s,  will work with you to develop a clear picture of your financial situation and create a debt relief solution that works for you. Your debt relief consultation in Newfoundland is always free and can happen from the convenience of your own home, by phone. 

or Call 1-855-884-9243. Bromwich+Smith offers options for debt administration including debt consolidation and debt counselling in St. John’s, Newfoundland.

You Have Debt Relief Options.

Consumer Proposals in Newfoundland. A Powerful Debt Relief Solution.

Can't maintain your debt payments, but don't want to lose your home or other assets? With a Consumer Proposal, Bromwich+Smith in St. John’s will negotiate with your creditors for you. Your debts are consolidated into a single payment based on what you can afford, not what your creditors are demanding, which results in your debt usually being reduced to only a percentage of the original debt. The remaining balance is forgiven through federal legislation under the Bankruptcy and Insolvency Act. A Consumer Proposal is interest free and allows for repayment over a period of up to 5 years. A proposals is often be a powerful alternative to bankruptcy.

Immediately upon filing of the Proposal, all creditor collections, calls & legal actions must stop. No more stressful letters or bothersome calls! Wage garnishees are also stopped. Get time back to focus on your finances.

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 will immediately stop. Contact us today to find out if this powerful debt relief solution is the best option for you. Learn More »

Other Debt Relief Options in Canada

Declaring Bankruptcy in Newfoundland

At Bromwich+Smith we know the word bankruptcy can be overpowering.  Prior to recommending bankruptcy, Bromwich+Smith in St. John’s will go over all other debt relief or debt consolidation options available to you.  For some, filing bankruptcy will be the best option for immediate debt relief. We'll give you the details you need to determine if working with a bankruptcy trustee in Newfoundland and declaring bankruptcy is best for you. Learn More »

Debt Relief Consolidation in Newfoundland

A Consumer Proposal vs Bank Consolidation Loans

Your Bromwich+Smith Debt Relief Specialists in St. John’s know the debt relief options in Canada and will go over the details with you to determine the best debt help options available for your situation. Call our St. John’s debt solutions office today to start rebuilding your worth. We'll provide you with details on each debt relief option, giving you the information, which allows you to choose the best solution for you.  Learn more

Debt Counselling in Newfoundland

If you still have a good credit rating, assets and just need time to pay your bills, then consolidation of all your credit cards and other bills into one loan could be the right option for you.  Learn More »

Only a Licensed Insolvency Trustee like Bromwich+Smith has the training and legal authority to administer a Consumer Proposal or a Bankruptcy for you in Newfoundland. We will examine your specific financial situation with you and help you determine the best solution to provide the St. John’s -based debt help and relief you need. We take pride in treating every financial situation as unique and deserving of detailed analysis to find the best solution. We look forward to offering you reliable, non-judgmental, and professional debt help in St. John’s and across Newfoundland to take control of your finances. Rebuilding your worth starts here today!


St. John’s and Area Office (By appointment only).

31 Peet Street, Suite 217 St. John’s, NL A1B 3P8



At Bromwich+Smith, our St. John’s , Newfoundland Debt Relief Specialists are available to offer debt advice and debt restructuring programs on the phone, from the comfort of your own home. Your consultation is always free! We are also one of the first in the industry to offer video appointments with clients. Call Us Today:1(855)884-9243 (Toll Free)

Bromwich+Smith Office

47.559171076912, -52.760901869828