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Consumer Proposal

 

Payments:

Remember, you can make Direct Online Payments through your bank by adding BROMWICH & SMITH INC. as a payee and using your estate number as your account number. If you don't know your estate number, please email This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-855-884-9240

 

Missed Payments:

If you fall the equivalent of 3 monthly payments behind, your proposal will be annulled. Be sure to contact our office at This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-855-884-9240 to request a meeting to discuss your options prior to missing 3 payments.

 


 

Bankruptcy

 

Monthly Income & Expense Statement:

Your monthly Income & Expense Statement should be emailed directly to This email address is being protected from spambots. You need JavaScript enabled to view it.. Be sure to include your income verification (paystubs, bank statement, etc).

 

Payments:

Remember, you can make Direct Online Payments through your bank by adding BROMWICH & SMITH INC. as a payee and using your estate number as your account number. If you don't know your estate number, please email This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-855-884-9240

 

Preauthorized Payment Adjustment:

If you want to adjust your monthly preauthorized payment email This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-855-884-9240

 

Income Tax Filing:

All questions relating to your income tax filing requirements should be directed to This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-855-884-9239

 

Court Application:

In the event that a Court Application is required, we will have completed a report to you, your creditors and the Court. All questions regarding this report should be directed to This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-855-884-9241

 

 

 

 

What If I Stop Paying My Consumer Proposal?

A consumer proposal is a legally binding contract between you and your creditors. You may have submitted a proposal to end collection calls or to make your debt payments more affordable, but what if the payments become too much? Before you stop making payments, be sure you understand how defaulting on your consumer proposal will affect your financial future.


What You Need To Know About Bankruptcy Forms

Any major life event--from buying a home to tying the knot--means paperwork. Bankruptcy is no exception. The good news is that your Bromwich & Smith trustee will handle the majority of the paperwork and will file the necessary documents with the Office of the Superintendent of Bankruptcy (OSB). But even though the trustee handles the hard part, it's still important to be aware of bankruptcy forms that need to be completed.


Preparing for Your First Counselling Appointment

You did it—you called and made an appointment to talk to a Bromwich & Smith Credit Counsellor. Now what? It can be nerve-wracking going to your first initial consultation, but these tips will help you know what to expect and how to prepare.

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