Bromwich & Smith

2.3 (9 reviews)

Bankruptcy Law, Debt Relief Services, Financial Advising

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Keeba O.

3 years ago

Being in financial debt for years, struggling to make payments and not seeing a way out left me feeling depressed and unsure of myself. Seeking financial help was the best decision I made, and choosing Bromwich + Smith made my decision even better. They are very professional, kind, giving good counsel and genuinely care about helping you gain financial freedom. They give you great advice and tools and also readily available to answer any questions you may have. I recommend them to anyone! read more

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Bill M.

2 years ago

Absolutely a terrible company to deal with! I wished I never signed with these incompetent clowns!! They will harass you none stop for you to get an appointment and when that happens the trustee will pressure you to sign and interrupt your questions. Bunch of yo-yos! Don't deal with them at all cost !!! read more

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Karen S.

6 years ago

If I could give NEGATIVE stars, I would !! Save yourself thousands and do NOT use this company. They don't give a flying fuck about you, but they do love your money! When I was finally discharged, in court that day were about 20 of us. In speaking while in a break, we learned that 16 of us had used this company and the other 4 had signed with another company. 16 of us were pissed off at how much we'd been ripped off and treated!!! The 4 other people were very content. This company also will never return your phone calls. In fact, I was purchasing a used car and the dealership needed to call them for 3 days to confirm my bankruptcy was done (but the official discharge was 1 week away), but these lazy people wouldn't do their jobs and return the call. This is what I had to do to make them do their job! : I told the receptionist that I understood they were very busy, was going to Tim Hortons and would bring in a coffee flask and box of donuts that I would share, and would have enough food to wait in the lobby ALL DAY if I needed to make sure that call was made! Funny enough, that call was finally made and I didn't have to go in there. If you need anything done, you have to kick their ass! And that's only if you have the number as they change their cell phone numbers a shocking amount of times! Seriously, if you use these people, you will be pissed off, frustrated, and way broker than when you started. Any mistake you make you're charged $1,300 for - and THAT'S how they rip you off. Can you afford that? If you use these people, good luck - you're going to need it !!" read more

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Cheryl N.

7 years ago

If I could give them no stars I would. If you get gst or any tax credit like that, that they legally can't keep, they keep it and you have to go through the government because Bromwich and Smith will NEVER return your calls. They also don't do your taxes until halfway through the year, so don't count on that. They will pass you onto someone else. Once you get discharged all your accounts will be reopened, even though they were closed. All they want is you're money, they don't do much to actually help you. My life now is more stressful then before I claimed. Go with a different company and save yourself the extra stress and your concerns not being addressed. UPDATE: they are trying to rectify the situation. Which I really do appreciate. And are doing all they can to help me. But they do need to review how they handle clients concerns and phone calls. read more

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Bromwich & Smith

Thanks you for your feedback, Cheryl, we are truly sorry that the…

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Jordan L.

6 years ago

At first everything was great.. than I was passed on to another member once things were rolling, I called after over a year to stop a payment and change to a bankruptcy, done he said payment stopped and new withdrawal date of next month, said theirs nothing to worry about, well when the time came I woke up checked my bank and there it was gone!! A week later after talking to everyone all I get is, oh we're so sorry we made that mistake but theirs nothing we can do.... very skeptical to continue forward.. will update in Time I guess to see how it goes! !!! Do not deal with Ladi. !!! read more

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Rick L.

7 years ago

My experience with Bromwich and Smith started off on a very positive note and I felt a huge sigh of relief to finally be dealing with my debt burden. I was dealing with the office on 36 street the sunridge branch and dealt with Barb who was just awesome.Then they closed that office and i was assigned numerous different staff after they closed ,none of whom seemed to be of any real help until i was assigned Mellisa who , was so helpful and professional . She later left for reasons i dont know but i wasnt informed so i assumed she recieved what she requested from me . I must take some blame for not keeping up with my reports and expenses but ,i did drop everything off at the 36 st location before they closed down and relocated . Also we had a mixup for my second conselling session when they booked it too early but i showed up and then was told to come back another time . They have basically now dropped me because i didnt finish my prebankruptcy tax return when , i was correponding with Mellisa to do just that .I have lost alot of sleep over this entire process and am now left on my own get a discharge . I sent them yet another email asking to pay all the fees associated to me in full and to please send me a list of the creditors to proof read them to make sure everything was correct .I now have that list and out of all my creditors i asked for protection from , there were only three out the six i sent them ( i had forgotten about 3 from before and went to 36street office with that information ) so , i still dont understand what went wrong .If you are looking for a company that is through with replying to emails ,returning phone when YOU have a question or concern ,please do yourself a favor and look elsewhere . I tried to rectify this whole nightmare of a sitution and no response at all from them at all . read more

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Dora L.

12 years ago

We found ourselves suddenly in a very difficult position. Bromwich & Smith was recommended to us by the bank. We have found nothing but positive results from anyone that we have dealt with. They continue to work with us and have shown that they are with us all the way and have given us helpful guidance along the way. I have always been able to reach them by phone or email. When I was falling apart and feeling defeated, they showed compassion, understanding and workable solutions. I am thankful to have them a part of this transition. Keep up the good work read more

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Bromwich & Smith

Hi Dora! Thanks for sharing your experience. We are so glad we could…

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George G.

11 years ago

In 2014 we decided to explore options to deal with our overbearing debt due to a failed business. We spoke with several trustees and seemed to get different stories from each one regarding our options. Most pushed Bankruptcy and few suggested consumer proposals. We later discovered this is because they get paid more dealing with bankruptcy than proposals. We set up a meeting with Bromwich and Smith Inc and began a discussion, it quickly became evident our trustee Sean was not like the rest. He was quick to point out the facts and did not hesitate explain the options before us. He showed us the rules and requirements to both bankruptcy and consumer proposals. He genuinely seemed to care about our situation and did not pressure us to make an immediate decision. We decided to take some time and think about the choices before us. 3 months later we returned to Sean's office to begin the process of a consumer proposal. To my amazement he had all the paperwork already filled out and was ready to go. He explained our responsibilities in a simple effective language and made us feel comfortable with the decision. We filed the necessary paperwork and began the process. Not all of the creditors agreed so Sean set up a meeting as per the proposal rules. We returned a month later to the meeting and once again Sean was warm and welcoming setting our nerves at ease. The creditor never showed so we spent the time talking about our future plans and going over our rights and responsibilities. I left Sean's office that day feeling like a 10,000 pound weight had been lifted from my shoulders. Now 6 months later I can with out a doubt say going with Bromwich And Smith was the best decision I could have made. Even now they continue to help us move in the right direction with credit counseling. The harassing phone calls have stopped, our creditors are getting paid and I feel as close to normal as I have in years...and we didn't have to go bankrupt. Would I recommend Bromwich and Smith....Yes in a heart beat. Any one who is in credit trouble and does not at least give them a chance to hear what they have to say is selling themselves short. Thank you Sean, and all the staff at Bromwich and Smith. You've helped me get my life back better than it was before. read more

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Linda S.

12 years ago

Save yourself, do not use these people. First off, to save yourself thousands, invest a couple hours of your time in going to the 9th flr of the Calgary Courts, and sitting in on the bankruptcy Discharge hearings, on any Wednesday starting at 2 pm. When mine was discharged, an incredible 90% of this company's victims, errrr, clients, were considered to be in ill-Compliance and therefore charged $1250 each time that happens. If a client has thought that they have been in Compliance, don't worry, they'll make something up. The Judge that day was even incredulous at the amount of their clients who were fined this outrageous fee - and the two Court Agents of this company were sputtering and mumbling, trying to explain. The group of us unfortunate victims also could not believe how many of us there were! (there were two other trustee companies there, neither of which gouged their clients). This company circles and hi-lites, repeatedly, in their contract the fines they charge is in non-compliance, and that should have been my first clue. Outside of Court when we Bromwich victims were all talking, our stories were similar. They told us all that they did not receive our Monthly Expenditure Reports on time, via fax. They would "magically" never appear (so they can charge a fine), even if you enter the right fax#. If you protest too much, they'll threaten to drop you. They consistently duck phone calls and change cell phone numbers (without telling anyone), which to me are the hallmarks of a company going under. You would have to walk in your paperwork monthly and hand them over in-person to preclude them ripping you off. Do you really want to deal with a company like this, or would you rather deal with a company with integrity? Sign with one of the other Trustee companies and save yourself both $$$ and frustration! I hear Alger & Assoc are good. :) read more

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Shawn S.

Hi, Linda, I have been unsuccessful in reaching you with private…

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Cameron-Okolita

(2 reviews)

We filed for bankruptcy back in 2004, we did everything right according to their terms,…read moreunfortunately we had to move from Red Deer Ab, to Calgary Ab so that we could find work. We were behind by 3 months, the move and first and last months rent plus getting the moving truck and our stuff out of storage set us back a couple of thousand dollars. We both found jobs right away and we sent them our paperwork and payments in June of 2005. They never called to confirm anything...we finally called them, only to find out they received nothing. Later we found out that they Indeed received the payments but not the paperwork?? How? It was all sent together in one yellow envelope!! So, either they lied or someone in Edmonton lost the paperwork and are blaming us for it. We paid them twice more afterwards to get our discharge papers but alas nothing came of it. Present day...our paperwork is still in archive and we need to pay $5000.00 each to get it out of archives and for them to go to court for our discharge?? How is this fair to us, now we are trying to buy a house and cannot go forward until this matter is resolved!! What a screw up on their part and we are left holding the bag of nothingness to our future!! Gawd help us all!!! Terrible experience.

My husband and I had to declare bankruptcy last year. Run don't walk away from this company. The…read moreAdministrative Assistant Joanne treated us like we had no value as human beings. Every time I went in to drop off docs (monthly statements), Joanne would ask in a terse unfriendly voice, "do you have any unnecessary documents in there?" She would refer to the envelope. My husband had the exact same issue. Neither of us had the habit of dropping off unnecessary documents. Head office is in Edmonton and the lady who does the taxes isn't a Chartered Accountant, which isn't great if you had owned a business like we did. The last time my husband Peter was in the office, Joanne gave some docs for me which weren't in an envelope. When I complained to Head Office, Joanne told Joyce, (Manager) the docs had been put in an envelope. Because of FOIPP AND PIPPEDA, (privacy laws) the laws should apply in this instance. Joanne is one of the most unfriendliest individuals and we have had nothing but regrets to have dealt with this company. The fact that Edmonton completed our taxes didn't sit well with me and I wished to be made aware of this from the beginning. Sherry is a very nice lady who handles some of the work but Joanne takes away from all the positivity with her bad attitude.

Hardie & Kelly

(1 review)

I have been with Hardie and kelly under consumer proposal for almost three years, I thought my…read moremoney stress was over but since I started my consumer proposal I have found out things about my credit that surprise me number one, my truck that was part of the proposal is listed as a repossession in Equifax and trans union, I don't understand why? Also just today I received an email telling me that I have three payday loans that are in collections which were also part of the consumer proposal, this is not sitting well with me, I will be going to the office and not leaving until they fix these problems!

From the owner: Looking for relief from debt? At Hardie & Kelly, our Calgary Licensed Insolvency Trustees (formerly…read moreBankruptcy Trustees) are regulated by the Federal Government of Canada and have helped thousands of people get out of debt. Bankruptcy may not be the only option available. We will help you find the best solution to your debt problems, whether it is through a consumer proposal, personal bankruptcy or another debt solution. We know the negative impact debt has on people and their families. Hardie & Kelly Licensed Insolvency Trustees (LIT) offer personal and non-judgemental advice and debt solutions in Calgary. Call Hardie & Kelly to make an appointment for a free financial consultation.

Hudson & Company Insolvency Trustee

(1 review)

These guys charged me extra saying I was making surplus income when I wasn't...lied and said they…read moredidn't get my monthly income statement, also saying a creditor opposed my bankruptcy; which I found out they didn't. Then after paying them all that money, they took me to court to object to my release. Scammers, especially Greg, find someone else, or you'll be in worse than ever.

From the owner: Providing information to individuals about their debt resolution options. Carrying out the…read moreadministration of Proposals and Bankruptcies under the Bankruptcy and Insolvency Act (BIA). Providing financial advice to companies in financial difficulty.

BNA Debt Solutions

(1 review)

Bna solutions help me out... very good service on getting everything done! I recommend them to…read moreanyone you will not be disappointed..

From the owner: Let us find your debt solution. We have helped more than 7,000 individuals, families and small…read morebusinesses find their "Solution". Are you suffering with Income Tax debt or credit cards, overwhelming payday loans, we help them all. Consumer Proposals or Bankruptcies we will find your solution. We are a small, privately owned business that cares about our clients. No pressure, non judgmental, confidential. We are proud to say that a large percentage of our business is from referrals; not an easy task since many people don't speak to their friends, family, neighbors and co-workers about their financial problems.

McLeod Law

(2 reviews)

Garbage lawyer office. Subpar skills. Is this where all the rejected lawyers go? Or just the ones…read morewho get there law licence out of a gumball machine. Inflated retainers, no spread sheets of where money goes. Scammers. Fraud. You name it this place is capable of it.

I was really disappointed with the service I received. I was in a difficult situation with some…read morevery overbearing influences and wanted someone to have my back and check the details on my behalf. I did not feel cared for in the way I'd hoped.

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Hugo Werner G.

3 years ago

I am very thankful for the help that Will Cruz and Bonnie Bryan provided me from Bromwich and Smith. It was very hard for me to decide to bankrupt because I never owed anyone anything. I was always responsible for my financial affairs, but this time I was scammed and robbed of all the savings of my life that were significant to me as a middle-class individual and I was left with a debt that It will carry on for more years than I thought I will be alive. This happen 7 months after I lost my beautiful wife. In my 65s I must retire because my wife needed care 24/7, so I must resign from my various professional licenses too, because I didn't know for how long she was going to be sick. As soon as the scam happened, I asked for help from the usual entities, including the institution that I was banking with, but I was left alone and without real support. As I share my situation with my Family a few names were suggested to find support. I went to one that evaluated my situation and presented me with the options that will help me the most. So, after that, I did my research for experienced companies that did help people in similar situations to mine. The one that I felt did explain better my options on their website, Bromwich and Smith was the one that I went to consult. At that time, I was somehow suspicious or afraid that they were a scam too but wanting to believe that they were not. From the very first call I felt well treated, Mister Cruz was very polite and respectful and as I did some homework, he continues the same way. That makes a difference in how you feel. After that, I had to work with Bonnie Bryan, who also was, polite, and courteous and helped the rest of the way. Many institutions that deal with individuals are not as respectful as Mr. Cruz and Bonnie B. I write this review because I want to thank Bromwich and Smith for having professionals like Them (and the others that were there helping) and helping people in my situation and similar ones. The process is finished now, and I feel with hope for the future. Thank you. read more

Debbie N.

12 years ago

I first became aware of Bromwich & Smith while perusing a brochure my husband had obtained over a year ago. I was at his house because he was diagnosed with a brain tumor, lost his job, was operated on, had radiation treatment, then died 4 months later. Neither my daughter, with whom he lived, nor I was aware of his debt problem until creditors (and a lot of them) started coming out of the woodwork at this time demanding money. We turned to Bromwich & Smith, to whom my husband had not actually spoken, and Shawn Stack & company guided us through what was an extremely trying and traumatic time. We had never heard of this service but were assured it was government regulated. They act as an intermediary between the debtor and the creditors and put together a proposal that I was sure would not be accepted, but was. Shawn told us that 99% of the time, creditors accepted these proposals. Our problems were augmented by a writ attached to the title of the house, but Shawn assured us that the writ would become part of the proposal and would be removed. I was a legal assistant in real estate law for 5 years and understood the ramifications of this writ not being removed from the title, but the proposal was accepted by all of the creditors. I wish I had known about this firm from the beginning, as my daughter and I were totally floundering until we met with them. This proposal was not actually a bankruptcy and did not cost us any extra money. We did not have to pay hundreds of dollars to a lawyer to figure this out. While our situation may or may not be typical of most debtors, I am satisfied with their service and would not hesitate to recommend them. read more

Sam M.

1 year ago

I don't even know where to begin. Working with Bromwich+Smith has been one of the most supportive, reassuring, and empowering experiences I've had when dealing with financial stress and recovery. From the very start, Judy, Lilly, and Laura Lee handled my case with such care and professionalism. They not only listened, but they truly advocated on my behalf, working diligently behind the scenes to ensure my student loan records were corrected, my CRA credits were properly redirected, and that every piece of my bankruptcy discharge was honoured as it should be. A special thank-you to Judy for her tenacity and thoughtfulness in coordinating with government collections. To Lilly, for her direct communications and persistence in moving things forward. And to Laura Lee, whose leadership and final wrap-up brought everything together so smoothly and clearly. This team didn't just handle my file, they gave me peace of mind. I feel like a huge weight has been lifted. I finally have closure and can move forward confidently. For anyone wondering whether they'll be truly supported: the answer is yes. You're not just a number with this team, you're a human being. Thank you again, from the bottom of my heart. Sam G. read more

Gus J.

12 years ago

I spoke with someone at Bromwich & Smith about my debt and had an incredible experience. I previously saw another Trustee in Calgary and was treated like a second class citizen and was told in other words that I am a terrible person and was talked down to. The individual at Bromwich & Smith treated me with respect and left me with my dignity. I went there embarrassed and afraid because of my last experience with a different company but Bromwich & Smith helped me sort out my finances and I will be able to get rid of my debt for a fraction of what I owe and they let me choose how I wanted to move forward. I felt empowered and extremely relieved as if the weight of the world was no longer on my shoulders. I can tell you that because of Bromwich & Smith, I can breath now, I can sleep without worry, I am confident in myself, and I feel like I am free. Thank you to everyone at Bromwich & Smith for treating me with respect, preparing me for all possible outcomes, and for empowering me to make a decision on dealing with my debt that is best for me. read more

Lynne E.

12 years ago

My experience with Shawn and Heide, trustees at Bromwich & Smith, has been very positive. They volunteer at Momentum - a not-for-profit that helps folks who live on low incomes and who are often facing other barriers. Shawn and his team volunteer their time and knowledge because they genuinely care about people and understand the importance of building relationships with the community, and of taking responsibility and action with respect to your debts. They are strong community advocates interested in encouraging the conversation of debt management and, they go the extra mile to help people understand their options and to do so in a way that is respectful, honest, genuine and effective. I wish everyone approached debt with the same philosophy and approach. The participants who have had the privilege of listening to them and learning from them give them rave reviews and I would happily and confidently recommend them. read more

Donna N.

12 years ago

If you need to go through a consumer proposal or bankruptcy look no further than Bromwich & Smith. The company we deal with are on the SE side of Calgary and they take the stigma of financial problems out of the way and help you, not only financially but on a different level, with your feelings and they will get you to a point where you can hold your head up again. The atmosphere is very casual making you feel comfortable. I for one, cannot think of a single negative aspect or word that we've experienced while working with this firm. Everything has been above board. There have been no surprises and if any surplus fees do come up, nsf fee or a one time withdrawl mix up on our part, and certainly nothing like what I see written on here. We would recommend them to anyone who is in financial distress, even just for financial counselling. Keep up the good work. You are helping a lot of people.Thanks Donna read more

Patricia G.

12 years ago

I had struggled through years of chronic illness, hospitalized at times, whilst being a single parent of three children. In the end I was deeply in debt as I had received no support payments or help to meet expenses. I googled bankruptcy one day and left a phone message which I did not expect to act upon, but the call was returned and I learned that Proposals exist. I did qualify, and 15 months into the program I am relieved and happy to say that I have no problem with the payments, have built up a small savings account, and no longer have bills to dread. I have enough money to be comfortable, give gifts, and live without anxiety about money. Brian Blanchard has been my contact person and so comfortable to work with - I have felt no shame or embarrassment at all - and he continues to be there for support. Now I can say " life is good" and mean it!! read more

Jen M.

6 years ago

I researched tons of debt consolidation places and Bromwich and Smith came with the best reviews. I 1st dealt with Ladi and he was absolutely amazing. It took a little longer to get started as life got in the way and he was very patient and so helpful and empathetic to my crazy life. I'm just starting to get my life In order and a fresh start and excited to finally start getting my finances straightened out. I'm in Toronto and from reading these reviews I'm actually shocked as I havent read anything negative about them until now. Will update once my proposal is going. I already feel the weight being lifted off me and I'm able to breath again read more

Victoria D.

5 years ago

I am satisfied as I should be and you know why? Because: Kirk and Rick are so knowledgeable in what they do. Honestly I was educated about the laws and procedures of my program and my obligations. The video signing needs improvement. Overall great company with really awesome staff and stuff to help you with debt They are ond step ‍ ahead of me at all times and prompted me to ask some critical questions. Most importantly, I got the service and best help I need. Very customer oriented. Thanks! read more

Bertha G.

12 years ago

Bertha G I am so pleased with the help I received. The time that was taken to explain everything made me feel so relaxed . I felt that they cared and would help me in any way they could. The information they gave me was easy to used stand. I wasn't looking forward to my future but my meeting with Shawn was so eye opening I now no that my future will be bright. Thanks for the pen Shawn every time I use it I will remember what you told me......My Future Begins Now !!!! read more

Austin C.

12 years ago

My experience with Bromwich & Smith has been terrific. Like anyone facing bankruptcy, I was embarrassed and stressed out at the thought of going through the process. Right from the very first person I talked to, the people at Bromwich & Smith seemed to sincerely care about how I felt, understood what I was going through, and tried to alleviate my worries. Like anyone, I am rarely impressed by any kind of service provider, but I have to admit I was entirely pleased here. read more

Farren A.

3 years ago

Barb and Annabelle were amazing at taking care of everything, making the process for me so soothing and clear. Consumer proposals are a gift and I feel so grateful have had this option. Everyone around me can feel how much lighter I am and I do feel light a massive weight just dropped off my shoulders. Thank you so much for being here. read more

Bow River RC D.

5 years ago

Don't listen to the lame bots trying to destroy a good business. This has been the most pleasant experience dealing with a terrible situation. Don't hesitate to deal with your financial grief. read more

Maria C.

6 years ago

Madison was so kind and helpful. I really enjoyed talking with her. She is intelligent, personable and very professional. I hope you can work with her. read more

Beverley D.