Did you know that a Proposal is a single, affordable monthly payment that you can make to your creditors similar to a consolidation loan, to deal with your debt? The amount that you pay back; in most cases, will be less than the total amount that you owe and the reporting of this action only... stays on your credit history for 3 years after you have completed the terms of it! A Proposal is a reasonable, honest and lawful way to Solve Your Debt problem and may be the answer that you've been looking for! Call us to learn more about it and remember... WE WILL SERVE YOU NO MATTER WHERE YOU LIVE IN ALBERTA!more...See more text
So distraught, I wasn't even able to make the appt myself. I was met with an understanding smile and respect. Lucky enough to meet with Sean directly I was immediately put at ease, my fears subsided and my self esteem restored. I was given such clear options with both of our positions defined. No hidden fees no hidden costs that some may accuse! I feel my life is on track now and I did not fail, I am restructuring my financial aspects. I implore anyone before they lose sleep worry themselves without need go see Sean and his team let the experts put you at ease there is no commitment in talking to them. I cannot promote or thank them enough I can sleep at night again and feel no anxiety, I should have done this sooner. Once again thank you for all that you do Bromwich and Smith.
Thanks for the kind words and comments, gmanz28.
I'm glad that we have been able to be a part of your healing and
restructuring and helping you put your life back on track.
By Howard235
May 17, 2014
A necessary servi...
A necessary service for trying times. Very professional and informative. I would recommend them for any credit challenges. I was very unimpressed by the collections tactics used by creditors that are quick to lend and even quicker to railroad your life when the wheels fall off. High interest rates by lenders more then cover bad debt but it also appears to cover un professional collections efforts. Bromwich and Smith cut to the chase and aligned all creditors. Highly recommended.
Thanks for the review, Howard235,
One of the first things to happen when we are engaged is that we send notice to the creditors and the collectors to stop all contact with you and stop all actions with respect to the debt. They are forced to deal directly with our office so you can focus on getting the “wheels back on” and starting over. I’m glad that we were able to be a part of your solution and your fresh start!
By cheerful
May 4, 2014
Stay away. These...
Stay away. These people will set you up to charge extra fees. Once you sign the papers, things change. Save yourself and hit the back button.
Dear Cheerful, I’m sorry to read your review. It’s unfortunate that you did not have a positive experience with our office, and for that I truly feel bad.
As you are likely aware, when a bankruptcy is filed there are certain things that must be done by the person that filed bankruptcy. These things include going to 2 counselling sessions, submitting income and expense information, providing tax information, making agreed upon payments, etc. These things (often called duties) are required by the law when you file bankruptcy. The point of doing them is for your rehabilitation – to help you get in a better place. If a person does their duties they are eligible to be released from bankruptcy directly from our office (no Court application is required).
If, however, the person that files bankruptcy does not do these duties, the Trustee (that’s us) has to do a report to the creditors, the government and the Court explaining what things were not done. Then the trustee has to go to Court and get an Order requiring that the person not be allowed out of bankruptcy until they do what they were supposed to do. Sometimes at Court, after considering the conditions, means and circumstances of the person, the Registrar (that’s like the Judge) will order that the person has to pay money as well as do the duties that were not done. Perhaps this is the situation in your case, Cheerful?
We understand that sometimes life can become overwhelming and even with our best intentions things don’t turn out the way we hoped and planned. If you would like to sit down and discuss your specific situation, Cheerful, and how we might be able to better understand and assist you to resolve things, I would be more than willing to do so. Please call my office to set up an appointment with me.
Shawn
By k9199ai6677noe
March 26, 2014
I Didn't Go Bankrupt!
I thought that the only way I could get out of this mountain of debt that I had was to go bankrupt. After talking to Shawn at Bromwich & Smith, he explained to me that there were other options available to me that I knew nothing about. He told me about this program called a Consumer Proposal which was a way of dealing with my debt problem without going bankrupt! I just make one payment a month now with no interest, this I can handle! These people at Bromwich & Smith are TERRIFIC!
Thanks for sharing your experience, k9199ai6677noe,
A lot of people are under the mistaken impression that the only way out of
overwhelming debt is through bankruptcy. The fact of the matter is that more
and more folks here in Calgary are turning to Bromwich and Smith to avoid
bankruptcy by filing a Consumer Proposal, just like you have.
Thanks for having the courage and confidence to reach out to us to discuss
your options, and to allow us to help you and your creditors reach the
solution that you both wanted and needed.
