A very understanding, and helpful group of kind professionals. If you are considering bankruptcy,…read more I would urge you to consider Bromwich & Smith.

Bromwich & Smith has helped me , in many ways , I've made poor decisions when I was younger and…read morefelt there was no way out , trouble sleeping at night , creditors calling all hours of the day/night , finally was exhausted and needed help , so I googled and came across Bromwich & Smith , they reached out right away and helped me with the best decision I could make , walked me through every step of the way! I highly recommend, there's is no shame in asking for help and reaching out to start over again ! Thank you so much Bromwich & Smith

If I could give less than one star I would. My husband had a medical bill that we were paying…read moremonthly. We had paid thousands of dollars and the balance was down to $700. Skagit Valley Hospital sent it to collection and we were served with papers to go to court. I paid the amount in full and STILL had to go to court, where this company was awarded an additional $600 in court fees. The slimiest of the slimy, according to one of their former employees who helped me navigate their unethical practices.

Review Writing a…read morebad review about a debt collection agency seems pointless, however, I do have some tips for anyone caught up with this awful company. 1.) Like others have said, don't do business with any healthcare providers in/around Skagit, if you can help it, as many do use this company. The less business they have, the less profit they make. 2.) yes, like others have said their attorney Jeannie moves fast. She's pretty much a glorified secretary though. She moves quick but isn't very bright and makes mistakes often. You're better off paying a few hundred for an attorney that can easily out maneuver her. 3.) if you can't afford an attorney, make them prove the amount they paid for the debt. thisbis where they get unethical and slip up. 4.) Don't even bother with the call center dolts. They make minimum wage and just talk in circles. If you do have to talk to them, ask for Lucy or Brooke directly and record them. They are "supervisors" and frequently talk out their you know what, which could help you if it goes to court. Their CEO can easily be found if you go the Secretary of State website and look for their business filing. He's also on LinkedIn where you can direct message him. Or just talk directly to their attorney. Her extension is 2251 and that lets you skip the call center directly. Record all calls, especially if they hang up on you when you present them with something they don't want you to know. They will yell and try to talk over you. They're bottom feeders. Their whole schtick is being the loudest to get what they want.. They will lie and all you need is proof for the courts. Jeannie is lazy and banking on you being so as well. One hour in court with your recordings could you win the case. Easy to find free apps that record and plenty of transcription services for cheap.

Let me tell you, when you are one hair from bankruptcy, and the 7 years of slow recovery that…read moreresult -- When I found the BC Credit Counselling Society, let's just say I was hoping for the best but not expecting much. I was on EI, my income was low and I was looking for work. Well I was pleasantly surprised with the interview process - since I still had enough to set aside a definite payment each month, they accepted my application and off I went. Now I had close to 8500 in debts which is a fair amount to an unemployed person who can barely pay bills - so to have a company step up and meet with them and get them off my back was HUGE ! Fast forward 2.5 years later - and I am down to my last 2300 in debt.... It is really cool that I can make extra payments if I have extra coin ! I am likely going to be out on debt within a year - and that's over a year AHEAD of the initial estimate !! Best part of that is that because the Credit Council did it as a debt repayment arrangement, UNLIKE bankruptcy, it will be much better on my Credit Rating and as proof when I applied for new cell and cable service in Vancouver, my rating has already improved such that I got new accounts WITHOUT a limit or deposit !' Thank You !!!!

Exceptionally thorough and knowledgeable Credit Counsellors. I got a lot more advice than I'd hoped…read morefor, and the best thing about it was that the counsellor was able to find the gaps in my knowledge that I myself was not aware of. And yes, they are completely free.

I was in a desperate financial situation where I was not sure if anyone could help me even if I…read morewent bankrupt. Credit Counselling Society were informative, educated, efficient and kind. They did not judge but rather they gave me guidance and support. Their links for budget councelling and countless information on working through financial crisis has been of immense help and I highly recommend the Abbotsford team to help anyone who is in need of debt management.

From the owner: Our Client Services team works with clients who establish a Debt Management Program. They liaise…read morewith creditors to ensure the program is set up accurately and payments are disbursed according to the program. They are here to help our clients stay on track with the Debt Management Program, ensuring freedom from debt within 5 years.

If a credit bureau pull is what you dread, and you are sick of bill collectors incessant calls and…read moreletters, call Peter. He offers knowledgeable, friendly and honest advice on where to start the credit repair process, what to avoid, and how to look at the initial cause so it doesn't happen again! I often refer my clients to Peter as I believe that knowledge is power, and if you are serious about gaining control of your financial life, he is an excellent place to start!

I have spoken with Peter and I've been assured that the payment mishaps that happened were due to…read moreerrors outside of their control. Even though it was a stressful situation for me, I still refer people to Peter for help with their debt. Please do not discount going to 4Pillars for help just because of my experience.

I would highly recommend Sands and Associates to anybody struggling with debt or having Financial…read moreissues. My experience with Sands & Associates has been a very positive one. The staff are all very friendly and outgoing and willing to help. My trustee Raj Hara was amazing and so helpful. He gave me some very helpful Financial advice, answered all my questions and supported me through everthing. He made me feel like I wasn't the only one dealing with financial issues and offered me a lot of support. It made the experience all that much better and easier to get through. It has relieved an immense amount of stress in my life. It is changed things for the better for me. Thank you to everyone at Sands & Associates New Westminster branch.

My wife and I recently went through a difficult court case and utilized Mr Richmonds services. His…read moreprofessionalism, knowledge of the law and care really set him apart from other lawyers we talked with. Whenever we had questions he responded as quickly as possible and his paralegal helped immensely with many questions we had that were appropriate for her to answer which helped us a lot! I can't say enough positive about this law office, they're wonderful people and I would highly suggest them for your issues. It's hard for me to imagine a better experience.

Hiring Paul Richmond was one of my best decisions I have ever made. He was exceedingly attentive,…read morenever left me in the dark wondering my next step, always returned my calls and emails in a very timely manner, and his paralegal Gretchen was always happy to answer the phone and always very helpful. Whenever I was worried about my case, talking with him always made me feel better he has extreme knowledge of the law. I am so thankful I found Paul to be my attorney and truly do not think I could have found anyone better for my case. I would highly recommend anyway with legal issues to hire him.

I was skeptical about companies that offered debt relief. But i looked into 4 Pillars and found out…read morethat they have been established within Canada for over 10 years. I was in a lot of debt trouble. Bills piled up from different credit cards with interest adding on. I made decent money, but i just couldn't keep up with all the payments. It was getting very close to the edge for me. My goal to pay off my debt and save up for a house seemed impossible. And then i finally decided to seek some help from 4 Pillars in Richmond, B.C. That's where i met Dale Chen. I actually saw an ad on Facebook that advertised 4 Pillars. I am very thankful that i sought his help. I called him, but he was unavailable, so i left a voice message. I was hesitant at this point, he called me back and i missed his call as well, and he called a few more times leaving voice messages. When things were in a tight jam, i decided to call him, and we set a day and time to meet and discuss my financial situation. Dale welcomed me into his office in a very friendly and professional manner. I had read reviews about him from others as well, and i was happy with what I saw. So when i went to him and we talked, i felt eased, even though i was in a tough situation. He showed me what he's about, and what he does, and why he does it. He is very passionate about his job. I did have to pay some fees up front and he was very nice about it and let me divide into multiple payments compared to companies that do it for free and charge hidden fees later on. The only stressful part i had to deal was with calling my credit card companies to stop any payments. But that in itself was a relief, as i did not have to make any payments to them, as i awaited the approval of my consumer proposal to the creditors. This is all legal according to the Canadian government which he told me as well. You can look it up as well. It's an accommodation to help people in this situation. After setting up my file, Dale did most of the work, I just had to gather documents, paychecks, etc and meet up with the creditor and Dale to submit the proposal. We both did our part. A month or so later, Dale told me that my proposal was accepted, and my debt was relieved by 80%! I was shocked, but so happy and relieved at the same time. I couldn't thank Dale enough. I couldn't have re-started my life without his help. Everybody makes mistakes, and I really needed to fix my life. Thanks to Dale again, that it is possible now. From managing multiples and multiples of bills, i just have to pay off one sum of debt which is down to under 20% of what i originally owed. When i was worried that the proposal was not going to be accepted, Dale gave me hope. He said he hasn't seen a proposal not accepted yet. My experience with Dale was professional, friendly, amazing, and he made you feel like a friend. He tried to do his best for me. He understood my situation. He talked to me about his family and his son. He even met my family and was nice to them and even my family trusted him. I trust him. Not only did Dale try to reduce my debt, but also helped me get back on track by building my savings with budgeting and a couple coaching classes. He wanted me to live a normal life again. By fixing the debt and the steps to build my foundation back after reducing the debt. I am thankful to all he has done. I cannot say how grateful I am to Dale. I did not know where to turn to when i was seeing plethora of bills/envelopes so often paying minimum payments including a Line of Credit. If you are in debt, and are having trouble making payments, i very highly recommend Dale Chen. He is a people person and not only a financial savior, but an emotional one as well. The feeling of living again is amazing. Thank you Dale!

From the owner: At 4 Pillars Consulting, we serve Richmond and Delta clients and specialize in debt restructuring,…read morebudgeting, credit rebuilding, and financial literacy.