Chestermere Bankruptcy | Credit Counselling | Debt Relief

Debt Problems?
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Debt Problems? Debt Solutions!

Do you struggle each month to keep up with your minimum payments? Using credit cards to pay your bills? Creditors and collection agencies calling? These are just a few signs of financial difficulties.

There are solutions! Bromwich & Smith has helped thousands of Albertans just like you gain control of their finances. We can help you too!

Our professional counsellors will:

 

- Work with you to determine exactly what your financial situation is.

- Provide support and review all of the options available to you.

- Find the solution that works best for you.

- Help you to start your debt free tomorrow…today!

 

There is no cost for your initial consultation and all of our appointments are confidential, unbiased and non-judgmental.

Our programs offer: Immediate protection from your creditors. (Yes, the calls will stop.) No fee payments from you. (We are paid through a government tariff.) Forced settlements on all of your creditors (Even if some say no.) Monthly payments based upon what you can afford (Not what the creditors are demanding.)

Remember, being debt free isn't a dream it's a choice, and that choice is Bromwich and Smith. We're here to help you start your debt free tomorrow...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 Chestermere


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Chestermere Stop Collection Calls
If your financial worries are starting to take a toll, you are not alone. A 2012 study from the Canadian Institute of Chartered Accountants found that as many as 82% of Canadians were worried about money. Money worries can affect nearly every aspect of your life, from relationships to sleep to health.

Types of Financial Stress

“Financial stress” is a broad term. Once you can pinpoint the source of your money worries, it’s easier to take the right steps towards getting it under control. Some of the biggest sources of financial stress you may be experiencing include:

Credit card debt.
The average Canadian carries a balance of just over $3500 in credit card debt. Credit card debt can be stressful, especially when you constantly make payments and the balance doesn’t seem to budge.


Cost of living. The costs of food, transportation, gas, utilities, rent, mortgage payments, and other essentials add up quickly. For many people, this is enough to lose sleep over.

Loans. Most people have some form of loan, whether it’s a mortgage, car loan, or student loans. It can be particularly stressful when you can’t afford to pay your loans and are in danger of losing your home or having your car repossessed.

Insufficient income. Being unemployed or not making enough money to cover your bills and monthly payments each month is more than enough to keep you up at night.


Getting Help for Financial Worries

When you’re under a great deal of stress, your financial problems may be so overwhelming you don’t know where to start. There are things you can do to take control of your finances:

Make and keep a budget. If you’re having trouble making your paychecks cover your living expenses, a budget may help you track your spending so you know where all of your money is going. It also helps you prioritize expenses and eliminate wasteful spending.

Contact your creditors. Don’t let your accounts go into collections or accumulate fees. If you’re having trouble making your payments, contact your creditors and see if you can work out a more manageable payment plan.

Downsize. If you simply can’t make ends meet, look for areas in your life where you can downsize. For example, if you have two vehicles, selling one and opting for public transportation or carpools will help you save money on a car payment, insurance, and gas.

Contact the team at Bromwich & Smith.
Sometimes, your financial problems are just too much to handle on your own. A consultation with a credit counsellor, consumer proposal administrator and licensed insolvency trustee (formally known as a bankruptcy trustee) can help you find out what options are available to you. This doesn’t always mean bankruptcy. Your first consultation is free and confidential and is the first step towards relief from your financial problems.
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