Brooks Declaring Bankruptcy - Credit Counselling

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Debt Problems? Debt Solutions!


Are your creditors calling? Are you only paying minimum payments? Do you have tax debt? Wages garnished? Simply can't get ahead?  We can help!

Our team at Bromwich & Smith has helped thousands of Albertans just like you in Brooks and throughout Alberta gain control of their debt and put an end to the stress. Depending on your financial situation, there are many options that can bring your finances back under control. We offer credit counselling, and the legal protection of a consumer proposal or a bankruptcy. Whatever your specific debt situation, we can help you too!

Stop Creditor Actions Today!
When your debt crisis requires a firm and legally binding solution,  Bromwich & Smith is licensed by the Federal Government and Government of Alberta as Consumer Proposal Administrators and Licensed Insolvency Trustees (formally referred to as Trustees in Bankruptcy). This gives us the authority as an Agent of the Court to present options to your creditors that will legally force them into a settlement and immediately stop all creditor actions. Yes, the calls will stop!

Believing In Your Future!
Our team of qualified Credit Counsellors, Proposal Administrators and Licensed Insolvency Trustees can provide you with the guidance and debt solutions you need. We will apply our teams' 40+ years of debt solution experience in Airdrie and across Alberta to your unique financial situation. We look forward to offering you reliable, non-judgmental and professional help. Your debt free future starts here today.

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.

Avoiding bankruptcy in Brooks




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How is a consumer proposal offered by Bromwich & Smith different from the services offered by a debt settlement agency?

While both a consumer proposal and debt settlement allow you to settle your debts for less, there are differences. A consumer proposal provides legal protection from creditors. This means they can’t contact you or attempt to get money from you. Only a consumer proposal or bankruptcy can provide this protection. A consumer proposal is also a legal agreement, where most debt settlements aren’t legally binding.

How can I find out if a consumer proposal is right for me? Licensed Insolvency Trustees are the only ones who can prepare consumer proposals. If you would like to know if a consumer proposal is an option to help you get out of debt, give us a call today. This first consultation is confidential and free. A member of our team will go over your finances with you and help you decide the best course of action.

In Brooks and across Alberta, we can help you today!
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Brooks Alberta

403 2 Ave. W

Brooks, AB T1R 0E7

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