rebuild your worth.
Start Fresh. Debt Free.
Your Surrey & Area Debt Relief Specialists.
You Have Options!
Since 2002, We've Helped 1000's of Canadians Eliminate Debt. We Can Help You Too!
We're Ready To Help You Today!
At Bromwich+Smith in Surrey, we understand that anyone can experience debt, and we are here to give you the unbiased, confidential and nonjudgmental assistance you need.
We are a team of Debt Relief Specialists and Licensed Insolvency Trustees authorized by the Federal and BC 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.
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.
Call 1-855-884-9243 One convenient toll-free number to talk to the Bromwich+Smith Surrey Office or to find the Local BC Office nearest you.
You Have Options for Debt Relief Today.
You can rest assured that there are always options to explore, no matter how difficult or complicated you believe your financial situation is. Your Surrey Bromwich+Smith Debt Relief Specialists will examine your financial situation with you and provide you with the best solution for your specific financial situation. Whether that be budgeting, a consumer proposal or bankruptcy or another debt restructuring solution, you can trust us to work with you to provide a solution that will settle your debt once and for all and Rebuild Your Worth, starting today.
Consumer Proposal. A Powerful Debt Relief Solution.
A Consumer Proposal is a debt restructuring program legislated by the Federal Government which Bromwich+Smith negotiates on your behalf with your creditors. All unsecured debt is consolidated into a single payment, usually reducing amount owing to just a percentage of original debt, based on what you can afford and not what creditors were demanding. The rest is forgiven.
Plus, a Consumer Proposal is a powerful alternative to declaring bankruptcy, eliminating your debt while giving you significant legal protection without having to file bankruptcy. Talk to our Debt Relief Specialist in Surrey today to find out if a Consumer Proposal is the right solution for you.
Here's How A Consumer Proposal Works
+ Credit Card Debt, CRA Tax Debt, Payday Loans...It's All Included In A Consumer Proposal.
A Consumer Proposal includes all unsecured creditors, 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. The rest is permanently forgiven. Plus, a Consumer Proposal is based on your 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.
+ 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, significant assets to secure a loan and just need time to pay. However, unlike an interest free Consumer Proposal, where you consolidate and eliminate your debts based on what you can afford plus legally stop all creditor actions, when you consolidate with a bank consolidation loan you are still responsible for paying 100% of your credit card debt, tax debt and other debts as well, with interest.
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 »
Sometimes, taking control of your debt is a matter of having the right knowledge and tools. Credit counselling can provide this for you. 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 now and start rebuilding your worth today.