Debt Solutions In Stettler - Please Call for Your Free Consultation

Local Offices Across Alberta. Click Here for Directory
4912 – 51 Street Stettler AB

Call: 1.855.884.9243 Alberta Toll Free
Send us an email

Service Also Available In:

Punjabi: ਸਾਨੂੰ ਪੰਜਾਬੀ ਵਿਚ ਸੇਵਾ ਪੇਸ਼ ਕਰਦੇ ਹਨ.

Hindi: हम हिंदी में सेवा प्रदान करते हैं।

Urdu: ہم ہندی میں خدمت پیش کرتے ہیں .

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Debt Crisis?
There Are Solutions!

At Bromwich & Smith, whether you are in Stettler or anywhere across Alberta, we have the experience and expertise to get you through your debt crisis and start you on your way to a debt free tomorrow, starting today!

Debt Crisis Warning Signs:

-Are your bills unmanageable?
-Are you using credit cards or lines of credit to pay your bills?
-Paying minimum payments on your credit cards or loans?
-Missing payments?
-Using your overdraft to cover expenses?
-Using Payday loans?
-Have you suffered an injury, loss of job or other change in income?
-Creditors and collection agencies calling, demanding payment?

You are not alone, and Bromwich & Smith can help! Even if you think bankruptcy is your only choice, you may have options.

At Bromwich & Smith, not only do we take a real interest in your financial health and well-being, we have the authority as an Officer of the Court to offer and administer programs to you which will immediately stop your creditor's collection efforts and will act to bind your creditors to a settlement. Calls will stop. Interest accumulation will stop. Collection efforts will stop.

In some financial situations, your crisis may be able to be solved with credit counselling and budgeting advice. In other situations, an immediate legal option may be required, such as a consumer proposal or bankruptcy. Whatever your situation calls for, Bromwich & Smith will find the best solution for your specific situation

How does Bromwich & Smith determine which debt solution is best for you?

-During your free consultation, we will examine what you owe, whether you have any assets and sources of income, if any.

-We will then determine solution(s) which are tailor-made for your debt situation.

-We will discuss the advantages & disadvantages of each potential solution with you.

Most importantly, act today. There are options!

Bankruptcy and your options in Stettler

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.




Spruce Grove Debt Help
The Benefits of Creating A Budget
(To see more informative articles, check out our Resource Centre)

- Shows you where your money is going.
The first part of making a budget is tracking your expenses. When you know where your money is going, this gives you more control over your money.

- Keeps you organized. When your finances are unorganized, it’s easy to let bills go unpaid, or spend money you don’t really have. A budget will organize your spending. So you know where to cut expenses or move money around as needed.

- Helps you stick with a plan.
Many people make financial plans, such as paying down debt, saving for retirement, or building up savings. A budget allows you to see where your money is going, then adjust your spending to help you reach your goals.

- Allows you to see if you can handle more debt.
Your budget will also help you see whether or not you can afford to take on additional expenses. If you want to finance a new car, for example, your budget can help you determine whether your monthly payments are within your means.

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

Local Offices Across Alberta. Click Here for Directory
4912 – 51 Street Stettler AB

Call: 1.855.884.9243 Alberta Toll Free
Send us an email

Bromwich & Smith Inc BBB Business Review


One Convenient Number For All Alberta Offices

Call: 1.855.884.9243 (Toll Free)