Victoria + Area
Debt Relief

Victoria debt solutions

Rebuild Your Worth With Debt Relief in Victoria. Bromwich+ & Smith Has Helped Thousands Of Canadians Eliminate Debt Since 2002. We Can Help You Too!

FREE CONSULTATION. We'll find the right solution for your specific financial situation and get you back on track to rebuilding your worth today, debt free. Our team always takes the time to listen to your unique circumstances to craft a personalized debt consolidation plan or another path to meet your financial goals.

Click to Book A Free Consultation

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or Call 1-855-884-9243 (One convenient toll-free number to talk to the Local office nearest you).

Your Victoria + Area Debt Relief Specialists.

Book Online or Call 1-855-884-9243

No Matter The Financial Situation, There Is A Solution! We Can Help.

Free Consultation. Never A Cost. No Obligation.

A Bromwich+Smith Debt Relief Specialist will go over the details of your financial situation with you, finding the right solution to eliminate your debt and get you back on track to rebuilding your worth. There is never a charge, and your free consultation can take place on the phone from the convenience of your home. Get answers about debt relief in Victoria fast from the experts. This is the best way to understand your options on your journey to financial independence. 

Whether that means filing for bankruptcy or receiving credit counselling services in Victoria, our team of experts is here to help. 

We know that declaring bankruptcy in Victoria (and anywhere for that matter), can often feel overwhelming. Having a trusted financial counsellor by your side can make all the difference. 

Your debt relief options in Victoria.

Consumer Proposal

Only making minimum payments, missing payments and/or creditors taking collection and legal actions against you? A Consumer Proposal in Victoria, BC could offer the debt relief you need. 

With a Consumer Proposal, Bromwich+Smith reaches a legally binding agreement with your creditors for you, usually offering to settle your debt for a percentage of the original amount owing, and allowing you an extended period of time to pay.

Benefits of a Consumer Proposal:

PlusWhen you file a Consumer Proposal, all debts are consolidated into a single monthly payment for up to 5 years, based on what you can afford.
PlusAll creditors, including credit cards and Canada Revenue Taxation, are legally bound by the conditions of the proposal.
PlusA Proposal doesn't touch your assets, so you can rest assured that your hard-earned assets are safe.
PlusCreditor collections and legal actions, including wage garnishees, are immediately stopped so you can focus on getting your finances in order.
PlusThere are no interest charges. Every payment goes directly to paying off the proposal quickly and efficiently. 
There’s a big difference between filing for a consumer proposal and bankruptcy
PlusThere are no hidden fees. We are paid by a government tariff, which is covered by the settlement amount with your creditors.

other options.

Bankruptcy

There’s a big difference between filing for a consumer proposal and bankruptcy. Before recommending bankruptcy, all other options are first explored, determining if another option, such as a Consumer Proposal,
might be a better option for you. If it is determined that for your financial situation 
If it is determined that for your financial situation  bankruptcy is the best option to provide the debt relief you need, we'll give you all the facts you need to understand the bankruptcy process and make the right decision for you. Learn More »

If it is determined that for your financial situation declaring a bankruptcy in Victoria is the best option to provide the debt relief you need, we'll give you all the facts you need to understand the bankruptcy process and make the right decision for you.

Credit Counselling


With credit counselling, the focus is on providing you with budgeting advice and tools to take control of your debt and plan for your future. Credit counselling in Victoria is a great way to begin taking control of your finances before your debt becomes too much. These services can help you understand your own spending habits along with other financial processes like credit reporting and more. Learn More »

Debt Consolidation

Debt consolidation loans are usually made available through your bank or other financial institution. With debt consolidation, some or all of your debts are consolidated into one lump sum, often reducing the interest you are required to pay and providing you with extended time to pay.
A Bromwich+Smith Debt Relief Specialist will go over the details of with you and explain the differences between a consolidation loan and a consumer proposal. This ensures that you’re choosing a solution that works best for your situation Learn More »

Victoria and Area Office 301, 1321 Blanshard St. Victoria BC V8W 0B6 (By appointment only).

One convenient number to contact the local office nearest you. Toll Free: 1(855) 884-9243

Bromwich+Smith Office

48.4264955, -123.3614993