If you’re struggling with financial difficulties, it can feel frustrating and overwhelming. You don’t have to face your creditors alone.
Since 1980, the Licensed Insolvency Trustees at Smythe Insolvency have helped individuals, families, and small businesses negotiate with their creditors to get a fresh financial start.
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A Consumer Proposal is the number one alternative to personal bankruptcy in British Columbia. It allows you to get things back on track with your finances while avoiding going bankrupt. A Consumer Proposal is a formal offer that your Licensed Trustee negotiates with your creditors to settle your unsecured debt. The amount you pay back is a fraction of the total amount you’re owing. Most Consumer Proposals are paid back over a 5 year period. At that point, you’re free from your dent and all unsecured debt is forgiven. The main reason why people choose to file a Consumer Proposal over Bankruptcy is that you get to keep all assets in a Consumer Proposal, and it has less of an impact on your credit score. Talk to us today to see if this option is right for you.
Filing for corporate or personal bankruptcy is a very difficult decision to come to—but in most cases, it’s a decision that will save you a lot of stress and sleepless nights. As soon as you file, your interest immediately stops. You also receive immediate protection from your creditors, which means they can no longer intimidate you with collection calls, letters, or texts, and they can’t threaten you with wage garnishments. Bankruptcy isn’t always the right solution for everyone, but our debt advisors can help you determine if it’s the right solution to help you get on the path to a debt-free life. Book a free consultation now to speak with one of our experienced debt advisors.
Whether you’re running your company out of your basement, or the CEO of an established company, our small business solutions can help you restructure your business debt and focus on rebuilding for the future. Our team understands the financial pressures facing small business owners in Fort St. John. We will help you determine if a consumer proposal or a corporate bankruptcy is the best option for you and your company.
If you’re struggling with debt, the stress can be overwhelming. The good news is, there is a solution to help you live a debt free life.
Since 1980, Smythe Insolvency has helped their clients negotiate with their creditors to eliminate their debt. We offer a free, no-obligation consultation with a Licensed Insolvency Trustee to discuss various debt solutions that are available, including Consumer Proposals, Personal Bankruptcy, Debt Consolidation, and more.
Fort St. John, BC, residents can turn to Smythe Insolvency for unbiased, professional advice to help you get back on track.Contact Us