Debt Stress Relief


Whatever Your Financial Situation, We Can Help!



Eliminate Debt With A Consumer Proposal. We negotiate with your creditors for you, reaching a settlement which usually requires repayment of only a percentage of your total unreserved debt, with extended time to pay. The remaining balance is forgiven. Affordable, interest free monthly payment, based on what you can afford.

Immediately Stop Creditor Actions & Collections. Legally binding on all creditors, including CRA, credit cards, payday loans, unsecured bank loans and garnishees. Creditors can no longer contact you…It’s the law!

No Hidden Fees. We are licensed and regulated by the Federal Gov’t and paid by government tariff.

FREE Consulation. No Cost. No Obligation.


Debt Stress Relief





Whatever your financial situation, We Can Help!


Eliminate Debt With A Consumer Proposal. With a Proposal, we negotiate with your creditors for you, reaching a settlement which usually requires repayment of only a percentage of your total unreserved debt, with extended time to pay. The remaining balance is forgiven. Affordable, interest free monthly payment, based on what you can afford.(No income? We have other options available).


Immediately Stop Creditor Actions & Collections.  Legally binding on all creditors, including CRA, credit cards, payday loans, unsecured bank loans and garnishees. Creditors can no longer contact you for's the law!


You Keep Your Assets.  With a Consumer Proposal, you get to keep your assets. Your home, vehicles and other assets are not touched by a proposal.


No Hidden Fees. We are licensed and regulated by the Federal Gov't & paid by government tariff.


FREE Consultation. No Cost. No Obligation.





Debt Problems? Debt Relief Solutions! We Can Help.


Are your bills pilling up? Struggling to keep up with your minimum payments? Creditors calling? Feeling hopeless and don't know what to do? You are not alone. We can help!

Immediately Stop All Creditor Actions Today!

When you contact Bromwich & Smith, you will benefit by receiving expert debt relief help from a team with over 40 years of debt restructuring experience in Calgary and across Alberta. We are authorized and regulated by the Canadian Federal & Provincial Governments as Credit Counsellors, Consumer Proposal Administrators and Licensed Insolvency Trustees. This gives us the authority to present options to your creditors that will legally force them into a settlement and immediately stop all creditor actions, and get you back on track to being debt free.

Is There An Alternative to Declaring Bankruptcy? Yes!

At Bromwich & Smith, we offer a powerful bankruptcy alternative called a Consumer Proposal. This debt consolidation solution takes your debts and consolidates them into a single affordable monthly payment with no interest and usually only requires payback of a percentage of original debt owed. A consumer proposal is a legally binding debt relief settlement between you and your creditors and can only be administered by a Federally Licensed Insolvency Trustee like Bromwich & Smith.  For debt relief, declaring and filing bankruptcy is not your only option.


Here's how a Consumer Proposal works:

●  Bromwich & Smith negotiates with your creditors for you, offering a consolidated debt settlement which is usually based on  repayment of only a percentage of what you originally owed and allows debt to be paid over a period of up to 5 years, based on what you can afford and not what creditors are demanding. 

● All creditors are bound by the conditions of the settlement.

● Collections, wage garnishees, and all other creditor legal actions are immediately stopped.

● No interest charges.

● All debts are consolidated into one affordable monthly payment.

● A consumer proposal does not touch assets.

● We are paid by a government tariff. There are No Fee Payments from you.


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.  

Do you get to keep your assets?

Yes! A consumer proposal does not include any of your assets, such as your home, vehicles and other household goods.  

If a proposal is not right for your particular financial situation, a bankruptcy could be your best option.  There are a number of exemptions available with a 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. 


Are You Paying Unnecessary Fees? 

There are a number of Debt Consultants operating in Alberta claiming to offer Consumer Proposals and Bankruptcy. Only a Licensed Insolvency Trustee like Bromwich & Smith can administer a Proposal or Bankruptcy. Any other service which offers these debt restructuring solutions must, by law, enlist a company like Bromwich & Smith. The are charged unnecessary fees by paying for a middleman when you can deal directly with Bromwich & Smith. It is never necessary to pay fees to a debt consultant in order to access government-regulated insolvency options.

What if a debt consultant tells you their fee includes arranging for the services of a Licensed Insolvency Trustee?

The federal government recommends that you contact a Licensed Insolvency Trustee like Bromwich & Smith directly to avoid paying unnecessary fees.



We've Helped Thousands of People In Calgary and Area & Across Alberta.

At Bromwich & Smith, we have helped thousands of people just like you in Calgary and throughout Alberta gain control of their debt and start believing in their future again. Our professional debt help and credit counselling may be all you need to get back on track. In other situations, you may require the legal protection of a consumer proposal or a bankruptcy. Whatever your situation, we can help you too! Remember, only a Licensed Insolvency Trustee has the training and legal authority to administer a Consumer Proposal or a Bankruptcy for you.

Credit card debt help, income tax debt, wage garnishees, payday loans, legal actions...We Can Help! We will examine your specific financial situation with you and help you determine the best debt relief solutions to solve your debt problems. We take pride in treating every individual or family's debt situation as unique, deserving of detailed analysis to find the best outcome. We look forward to offering you reliable, non-judgmental and professional help to take control of your finances and start believing in your future again. Your debt free future starts here today.


Walking out of your office building was the first time in probably 6 years that I have felt a weight lift off of me and I still feel it. Thank you guys for this gift and this fresh start that my son and I finally have.


My Wife and I really appreciated all the information provided to us and the way the professionals at Bromwich & Smith Inc treated us with dignity. They really helped us to make the right decision, and I would definitely recommend them to anyone who is going through difficult times because of debt.


Professional and understandable folk who help with any questions you might have and extremely friendly. 10/10

Jordan D

I approached Bromwich and Smith in Lethbridge, based on the testimonials posted on their website and I was NOT disappointed. Sandy Lyons treated me with the utmost respect and compassion. Sandy's professionalism instilled enough confidence in me to handle a very difficult stage in my life without having to bear reprimands or judgement.

Hart B

I spoke with Peter concerning our small business needs. He was strong in his terminology, willing to support and totally down to earth.
Approachable, kind and wise.
Best decision we could have made by contacting his offices. Before you lose it and fold your dreams, inquire for help.

Paulette G

We were so happy to have this dedicated and professional team available to guide us through the options. Our proposal went very smooth due to ongoing support from the Bromwich & Smith team.

Gary O

I recommend them completely!! They treat as equal don't look down on you! Made me feel so welcomed ! Helped us out so fast . I can now say I can sleep at night thanks again !!! Look forward to working with you Peter!

Janet M

Talking about money and money mistakes can be very hard to do. The money counselors at Bromwich and Smith are open, non-judgmental and ready to listen. Taking the first step towards financial empowerment is a huge leap - this leap will be worth the risk because you will have great people on your side.

Sakimah K

Sandy Lyons definitely cares about his clients, and people around him! Keep up the great work Sandy! I recommend Sandy to help you with the stress of those bills piling up - he will work with you to find a solution!

Jance K

Bromwich & Smith provided excellent customer service, and helped me to understand the big picture when assessing my financial situation.
Peter was instrumental in helping me 'snap out' of the illusion that a good credit score is all that matters. In my case bankruptcy was the best option, and this company helped me to realize that.


I came to Bromwich & Smith to discuss debt resolution. I met with Peter Stack. Peter was very personable and made me feel very comfortable and he provided me with all the options that were available to me.
After my initial meeting I feel very optimistic about solving my debt issues.


Professional, helpful, and non judgmental. If you're in debt and don't know what to do, call them for help! You will be very happy you did.


This is long overdue but we had a meeting with Shawn at their south office and it was an excellent meeting with him. He made us feel comfortable and made us understand our options. We felt great leaving the place and was positive about dealing with our financial future. We highly recommend Bromwich and Smith to those who are feeling hopeless about their financial situation.


Super professional, Amazing service, I went to 2 other trustees and By far Bromwich & Smith out performed both companies. The made it easy and comfortable. thanks a ton.


Excellent service, walked me throughout the process of a proposal step by step and made me feel comfortable in a time in my life when I didn't know what to do.


Everyone right from the beginning, starting with Renata who took my call, made me feel comfortable and at ease. I did not know about consumer proposals.

Thank you all ,for your compassion and expertise.


Awesome!! Awesome! Gave invaluable information, friendly atmosphere. These people helped me get a handle on a scary situation that I thought I had under control...BUT didn't! Give these guys a call you would not regret it.


My first time talking with a counsellor of Bromwich & Smith I met Peter, Made me fell like a real person, not a loser because I had financial problems. Now I can live my life stress free. I would recommend Bromwich & Smith to anyone who faces a hard time financially.


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Calgary debt help
Warning Signs of Financial Difficulties

Serious money problems seldom sneak up on us. Usually, warning signs of financial difficulty begin months before we recognize that we are in trouble. Taking action now can stop the downward spiral and give you the tools and the protection you need to start a debt free future today, either paying off debt at a rate you can afford with a consumer proposal, or eliminating your debt with a bankruptcy.
Signs of Trouble

Symptoms that your finances have taken a turn for the worse include:
- Running out of money before payday.
- Using payday loans.
- Not having the money to pay utility or other bills on time.
- Borrowing money from family or friends to make ends meet.
- Getting calls from creditors and collection agencies.
- Juggling or skipping payments.
- Buying groceries or other necessities with credit cards.
- Only making minimum payments on bills.
- Paying off debt from one source with credit from another source.

When and Where to Get Help

The longer you wait, the greater the chances you debts will continue to spiral even further out of control. By putting off dealing with your debt problems to another day, you may lose assets and savings that could be protected by taking action today. Now is the time to seek the help of a licensed trustee at Bromwich & Smith. Your initial credit counselling session is free.
Your free credit counselling session will include an initial assessment of your financial condition and help you understand what your next step should be. It may be determined that budgeting is all you need to regain control of your finances. If more than budgeting is required, a Bromwich & Smith Proposal Administrator and Licensed Insolvency Trustee (formally referred to as a Bankrutpcy Trustee) can provide a solution that will be legally binding on your creditors, stop all creditor actions and enable you to get you back on the path to financial wellness, such as debt consolidation with a consumer proposal or bankruptcy. Only a Licensed Insolvency Trustee like Bromwich & Smith can offer the debt relief power of a consumer proposal or bankruptcy, and is regulated and licensed by the Canadian Federal Government. (To learn why a Bankruptcy Trustee is now referred to as a Licensed Insolvency Trustee, click here).

Don't Stress. Take action. We believe in your future. Your debt free tomorrow starts today at Browmich & Smith in Calgary and across Alberta.

What is a Consumer Proposal?

Consumer Proposals were created as an alternative to personal bankruptcy and can be a “win-win” situation for both you and your creditors. A consumer proposal can significantly reduce your debt and will immediately stop all creditor legal actions against you.

Based on your specific financial situation, a Bromwich & Smith trustee will negotiate with your creditors for you, offering a payment plan based on an amount that you can afford and not what creditors are demanding. Amount of settlement is usually only a percentage of what you originally owed. A Consumer Proposal is legally binding and once agreed upon, your settlement amount can't be increased...your creditors can't come back looking for more.

Creditors “win” with consumer proposals since they will receive more money then they would in a bankruptcy, and consumers win since they can keep all their assets, and can pay back their debt at a rate they can afford and not what creditors were demanding, interest free.


Your eligibity for a Consumer Proposal will depend on your particular financial picture. To discuss your options and eligibility, give one of our Credit Counsellors at Bromwich & Smith a call today.

Stop ALL Creditor Actions

As soon as a Consumer Proposal is filed, all actions against you will stop. This means collection calls will immediately stop, as will wage garnishees and all other creditor legal actions.

Make One Affordable Monthly Payment

When under the protection of a consumer proposal, all of your debts are included in one monthly payment. This payment amount is negotiated between your Bromwich & Smith Trustee and your creditors, and is set at an amount that you can afford, usually only a percentage of what was originally owed.

No Interest Charges

All interest charges stop.  There is no interest added to your proposal amount, for the entire duration of the proposal. Every cent you pay goes towards paying your debt and not interest!

Keep Your Assets. Keep Your Home.

A consumer proposal does not include assets in which creditors have leins, such as car loans. Mortgages are also not included. However, you may be able to make arrangements to continue with the payments so that the asset can be retained. If an individual has a mortgage on their residence, they can continue making the mortgage payments.

No Fee Payments From You!

Our fees are based on a tariff set by the Bankruptcy and Insolvency Act, and the fees are deducted from the payments made by you, before any funds are issued to your creditors. There is no additional cost to you above and beyond the monthly payment in the proposal.

Call Us. One Convenient Number for All Alberta Offices
 1-855-884-9243 (ALBERTA TOLL FREE)
Calgary Fish Creek

Suite 205, Office 255, 259 Midpark Way SE

Calgary, AB T2X 1M2

Call: 1.855.884.9243 (Toll Free) 
Send us an email

Calgary Quarry Park

160 Quarry Park Blvd. SE, Suite 300

Calgary, AB T2C 3G3

Call: 1.855.884.9243 (Toll Free)
Send us an email

Calgary Richard Way SW

5 Richard Way SW, Suite 300

Calgary, AB T3E 7M8

Call: 1.855.884.9243 (Toll Free)
Send us an email

Calgary 36 ST NE

2111 36 St NE
Calgary, AB T1Y 5S3

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Calgary Varsity Estates Dr NW

1700 Varsity Estates Dr. NW, Suite 20

Calgary, AB T3B 2W9

Call: 1.855.884.9243(Toll Free)
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Calgary Downtown

333 11th Ave SW, Suite: 810
Calgary, AB T2R 1L9

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Bromwich & Smith Inc BBB Business Review


One Convenient Number For All Alberta Offices

Call: 1.855.884.9243 (Toll Free)