Here’s how we can help stop the stress right away.
Financial stress affects people from every walk of life. Needing help doesn’t say anything about who you are, it just means you're human.
Someone you trust felt that same stress and found support here. They shared this with you so you wouldn't have to face this stress alone.
“These guys literally changed my life... Best decision I have ever made.”
Devon
| JULY 2025
Someone you trust felt that same stress and found support here. They shared this with you so you wouldn't have to face this stress alone.
“These guys literally changed my life... Best decision I have ever made.”
Devon
| JULY 2025
Bromwich+Smith are accredited Licensed Insolvency Trustees with over 45 years of experience.
Financial stress affects people from every walk of life. Needing help doesn’t say anything about who you are, it just means you're human.
The moment your Licensed Insolvency Trustee (LIT) files the paperwork, your creditors are legally prohibited from contacting you.
If a creditor has already started garnishing your wages, filing for either bankruptcy or a consumer proposal stops this immediately.
You don’t accumulate interest for the duration of your program, so you can rest easy knowing your debt won’t continue to grow.
If you are currently being sued or a creditor is about to take you to court, the filing puts an automatic pause on those proceedings.
A consumer proposal is a federally regulated debt relief option designed to help you regain control when debt feels overwhelming. Working with a Licensed Insolvency Trustee, your unsecured debts are renegotiated, reducing the total amount you owe to a more manageable level and paid over 5 years. More than just debt relief, a consumer proposal offers stability and a clear path forward, so you can focus on rebuilding with confidence.
$1000—$250K in unsecured debt qualifies you for a consumer proposal
Your assets are protected
You’re given a monthly payment based on what you can afford
Confidential process handled on your behalf
No upfront payment required to get started
Creditors must follow the terms once approved, and you deal directly with your Trustee, not your creditors
“They went out of their way to make me feel comfortable and valued. They explained the process and options very clearly and walked me through it step by step.”
Kerry
| MAY 2023
Filing for bankruptcy doesn’t mean you’ve reached a “dead end;” it’s a legitimate path toward a new financial beginning. It allows you to resolve an impossible situation and take back control of your finances.
Filing for a first-time bankruptcy allows you to completely discharge your debt in just 9 months
You won’t lose everything you own. Your essential assets (household furniture, clothing, and tools you need for work) are protected, and in most cases, your RRSP is protected as well
Creditors can’t refuse your bankruptcy
Most people with over $1000 in unsecured debt who can’t meet their minimum payments qualify
There is no maximum debt limit to file
Our process is designed to be clear, supportive, and focused on your individual needs, with no judgment. Once your plan is in place, we provide clear structure and ongoing, one‑on‑one support from your Licensed Insolvency Trustee every step of the way.
We’ll take the time to listen, review your situation, and walk you through the options available to you, so you can make an informed decision.
If you move forward with a consumer proposal or bankruptcy, you provide us with any necessary documents, and we’ll take care of the paperwork and creditor negotiations.
We’ll work with you to set up payment arrangements you can afford, then your journey to freedom from debt can begin.
“Spoke with Bromwich+Smith to help me throughout the entire process of filing for bankruptcy. They were very helpful and got things done on time and perfectly. Will definitely recommend my friends and family to this company.”
Anthony
| APRIL 2025
There is a way forward that can start immediately by speaking with our government regulated, licensed trustees.
Curious? Fill out this form to explore your financial options.
Prefer to talk? No problem. Call us.
Sometimes, the hardest part is knowing where to begin. Thanks to someone who cares about you, now you do—when you’re ready; we’re here.
Need more information about options before you reach out? Visit our advice library.
Advice library