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Whitby Debt Help

Bromwich+Smith. Your Whitby & Area Debt Relief Specialists.
We've Helped Thousands Of Canadians Eliminate Debt Since 2002. We Can Help You Too!

Click to Book A Free Consultation

or Call 1-855-884-9243 (One convenient toll-free number to talk to the Whitby & Area Office nearest you).


No matter the circumstances of your financial situation, there are always options to explore.

At Bromwich+Smith in Whitby, we understand the stress that debt can put on all aspects of your life and we appreciate that each person's or family's financial situation is unique.  During your free consultation with a member of our Debt Relief Specialist team, we will go over your finances in detail with you. We'll use this information to provide you with an unbiased recommendation as to the best path to eliminate your debt today.   There is never a cost for your consultation.

Debt Relief Options.

Consumer Proposal

A Consumer Proposal is a powerful debt relief solution that can provide you with the debt relief you need, and is an effective alternative to declaring bankruptcy.  

Here's how a Consumer Proposal works:

PlusWith a Consumer Proposal, you usually don't have to pay back all of your debt. Bromwich+Smith negotiates with your creditors on your behalf, reaching a settlement amount that you both agree on, with a repayment schedule based on what you can afford. 
PlusImmediately upon the filing of your proposal, all creditors actions are stopped. Collection activities must stop, bank accounts are unfrozen and wage garnishees come to an end.
PlusA Proposal includes all unsecured debts, including credit card debt, CRA tax debt, payday loans and other bills as well. All creditors are bound by the conditions of the Proposal, and once a proposal is accepted, they can't come back for more.
PlusA proposal is interest free, plus you pay one affordable consolidated monthly payment, with a payback term of up to 5 years. 
PlusThere are No Direct Fee Payments from you. We are paid by a government tariff amount that comes out of the settlement to your creditors.

Credit Counselling

A Credit Counsellor can provide you with the guidance and tools you need to budget today and take control of your finances for the future. Learn More »

Declare Bankruptcy

Depending on the circumstances surrounding your financial situation, in some cases filing bankruptcy could be the best option to provide the debt relief you need. However, before recommending bankruptcy, you can rest assured that all options will be explored. Your Whitby Bromwich+Smith Debt Relief Specialist will give you the details you need to make an informed decision as to the best debt relief solution for you. Learn More »

Bank or Other Financial Institution Debt Consolidation Loan

A debt consolidation loan takes your debts to multiple creditors and consolidates them in a single loan. The loan term is usually several months or years, giving you time to pay back the loan. However, unlike a Consumer Proposal, a consolidation loan usually requires sufficient assets to secure the loan and a good credit limit. We'll help you understand how a consolidation loan works and it's benefits, and explore if a Consumer Proposal would be a better option for you.  Learn More »

Whitby and Area Office: 105 Consumers Drive, Whitby, ON L1N 1C4 (By appointment only)

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

Meet Your Bromwich+Smith Whitby & Area Licensed Insolvency Trustee.

Meet other members of the Bromwich+Smith team HERE

Licensed Insolvency Trustee

Andrew Bazelevsky

Bromwich+Smith Office

43.8687199, -78.9180393