Debt Solutions In Leduc - Please Call for Your Free Consultation

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Is Debt Controlling Your Life? We Can Help!

Are you ready to live debt free? In Leduc and all across Alberta, Bromwich & Smith has helped thousands of people eliminate their debts.

Real Solutions to Your Debt Problems!

When experiencing financial difficulties it can be hard to imagine an end to the stress. The good news is, there are solutions and Bromwich & Smith can help you find the right solution for your specific financial situation. We have over 40 years of cumulative experience in Alberta solving debt problems, and we can help you too. We will help you understand the various options available and determine a solution which will work for you. Whether the solution is credit counselling, learning to budget, consolidating debts, a consumer proposal or personal bankruptcy, we can help you make the right decision and get back on track to enjoying life debt free.

Bromwich & Smith will:

-Examine your debt and current financial status

-Discuss various alternatives with you

-Determine the best debt solution for your situation

-Administer all aspects of your debt solution

-Help you to start living debt free
 

Will the calls and threatening letters from creditors stop?

Yes they will! At Bromwich & Smith, we are licensed and regulated by the provincial and federal governments as Consumer Proposal Administrators and Licensed Insolvency Trustees ( previously known as Trustees in Bankruptcy). This gives us the authority as an Officer of the Court to present options to your creditors that will legally bind them into the conditions of a settlement and immediately stop all creditor actions. We are governed by the highest in standards and legislation, so you can be rest assured of receiving unbiased and knowledgeable assistance.


Avoid declaring bankruptcy in Leduc

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.


  FREE INITIAL CONSULTATION

 
NO HIDDEN FEES


  NON-JUDGEMENTAL

Leduc Debt Consolidation
Are you receiving threatening letters from your creditors?

Are you afraid to answer your phone, fearing it will be a collection agency?

Are creditors threatening to repossess some of your assets or take you to Court?

If you have not been able to live up to the conditions of an agreement, creditors do have the right to attempt to collect the debt. However, there are restrictions to how they conduct themselves and they do not have the right to insult or harrass you. If you feel your creditors or a collection agency are treating you unfairly, you may examine the guidelines governing collection agencies at Service Alberta.


If the creditor is unsecured, they do not have to renegotiate their payment arrangements with you.  If you are unable to pay, the creditor can sue you to get a judgment and then try to seize any non-exempt possessions or use the judgment to commence other legal actions, such as garnishment of your wages. The creditor is required to give notice of the action to sue you.


There are actions you can take to stop all creditor actions against you. To find out your options, give us a call.  Bromwich & Smith has the legal authority to administer a bankruptcy or a proposal which will stop creditors from continuing collection actions against you, stop creditors from suing you, stop creditors from seizing possessions and stop the continued garnishment of your wages.


To find out which option is best for you and to get out from under the weight of your creditors, call the debt professionals at Bromwich & Smith Today.

Call Us. One Convenient Number for All Alberta Offices
 1-855-884-9243 (ALBERTA TOLL FREE)
Debt Solutions In Leduc - Please Call for Your Free Consultation

Local Offices Across Alberta. Click Here for Directory

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