Smythe Insolvency Inc.

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Smythe Insolvency Inc. Smythe Insolvency is a dedicated team of Licensed Insolvency Trustees in BC, focused on helping individuals, families and businesses become debt free.

Smythe Insolvency is an experienced team of Licensed Insolvency Trustees, Debt Relief Specialists and Credit Counsellors in BC, including North Vancouver. Our Licensed Insolvency Trustees are authorized by the Federal government and are the only professionals who can provide court approved solutions like consumer proposals and bankruptcy—immediately stopping interest payments and creditor actions. Our empathetic team of debt advisors will discuss your options during your FREE, confidential consultation where we focus on finding the best debt solution for your unique situation. We offer alternatives to bankruptcy, including debt consolidation and consumer proposals. Do you dream of a life free from debt? Book your free consultation today.

Consumer Proposal or Debt Consolidation Loan?If you're struggling with debt, it can be difficult to know which option is...
09/25/2026

Consumer Proposal or Debt Consolidation Loan?

If you're struggling with debt, it can be difficult to know which option is right for you.

While both solutions can simplify your finances, they work very differently. A Debt Consolidation Loan combines your debts into one payment that you repay in full, while a Consumer Proposal may allow you to reduce the amount you owe and stop interest charges and collection activity.

In our latest blog, we break down:

✅ The key differences between a Consumer Proposal and a Debt Consolidation Loan
✅ The pros and cons of each option
✅ How each can affect your credit
✅ Whether you can keep your home and other assets
✅ Which solution may be the best fit for your situation

If you're feeling overwhelmed by debt, understanding your options is the first step toward moving forward with confidence.



👇Read the full article:

Compare a Consumer Proposal and Debt Consolidation Loan. Learn the pros, cons, costs, and which debt solution may be right for you in BC.

🎓 Can a consumer proposal help with student loan debt?If you're struggling with student loan debt, you may have more opt...
07/09/2026

🎓 Can a consumer proposal help with student loan debt?

If you're struggling with student loan debt, you may have more options than you realize. Whether government student loans can be included in a consumer proposal depends on your individual circumstances, including how long it's been since you were last a student.

Understanding the rules can help you make informed decisions about your financial future. Our latest blog explains how student loans are treated in a consumer proposal and what factors could affect your eligibility.

📖 Learn more by reading our latest blog—the link is below.

Learn how student loans are treated in a consumer proposal or bankruptcy, including the seven-year rule and private v. government loans.

Are you struggling to keep up with debt payments?Many people assume bankruptcy is their only option, but there are sever...
06/15/2026

Are you struggling to keep up with debt payments?

Many people assume bankruptcy is their only option, but there are several debt relief programs available in British Columbia that may help you regain control of your finances.

Our latest blog explains 7 common debt relief options, including:

• Consumer Proposals
• Debt Consolidation Loans
• Credit Counselling
• Debt Settlement
• Bankruptcy

You'll learn the advantages and disadvantages of each option, when they may be appropriate, and how to determine the best solution for your unique financial situation.

If collection calls, growing balances, or minimum payments are becoming overwhelming, understanding your options could make all the difference.

Read the full article here:
https://www.smytheinsolvency.com/blog/debt-relief-programs-in-bc/

Need guidance? Our Licensed Insolvency Trustees offer free, confidential consultations to help you explore your options and find a path forward.

Struggling with debt? Learn about the top debt relief programs in British Columbia and discover ways to reduce debt and avoid bankruptcy.

Credit card debts can quickly become overwhelming — especially when high interest rates, minimum payments, and rising li...
05/15/2026

Credit card debts can quickly become overwhelming — especially when high interest rates, minimum payments, and rising living costs make it difficult to get ahead.

The good news is that you don’t have to face it alone. From debt consolidation and consumer proposals to personalized support from a Licensed Insolvency Trustee, there are solutions available to help you regain control of your finances.

Learn more about your debt relief options and how to take the first step toward financial freedom.

👇 Click the link below to learn more.
📞 Book a free consultation today.

Struggling with credit card debts? Learn about debt relief options, consumer proposals, and how Licensed Insolvency Trustees can help.

Separating or divorcing can be overwhelming—especially when debt is involved.In British Columbia, joint debt doesn’t aut...
04/22/2026

Separating or divorcing can be overwhelming—especially when debt is involved.

In British Columbia, joint debt doesn’t automatically disappear after a breakup. Even if your agreement says otherwise, creditors can still pursue either person for the full amount.

This can leave many people facing unexpected financial pressure during an already challenging time.

A consumer proposal may offer a path forward. It’s a legal solution that can:

• Reduce the total amount you owe
• Consolidate your debt into one monthly payment
• Stop collection calls and legal action

If you’re navigating debt after divorce in BC, speaking with a Licensed Insolvency Trustee can help you understand your options and move forward with clarity.

Our team is here if you have questions—free, confidential consultations available.

Dealing with joint debt after divorce in BC? Learn your rights and how consumer proposals or bankruptcy can help you move forward.

Are you a senior in British Columbia struggling with debt?It’s more common than you might think—and there are options av...
04/22/2026

Are you a senior in British Columbia struggling with debt?

It’s more common than you might think—and there are options available to help.

Many seniors are carrying debt into retirement due to rising living costs, unexpected expenses, or tax obligations. What’s important to know is this: there is no age limit for filing a consumer proposal or bankruptcy in Canada.

In our latest blog, we explain:

• How consumer proposals work for seniors in BC
• How pensions and retirement income are treated
• Whether bankruptcy or a proposal is the better option
• How to deal with CRA tax debt

If debt is creating stress in your retirement, this is worth a read.

If you have questions, our team is here to help with free, confidential consultations.

Can seniors file a consumer proposal in BC? Learn how debt relief works, how pensions are treated, and how to reduce debt in retirement.

Struggling with debt can feel overwhelming—but you don’t have to figure it out alone.If you’re in British Columbia and f...
04/10/2026

Struggling with debt can feel overwhelming—but you don’t have to figure it out alone.

If you’re in British Columbia and finding it harder to keep up with payments, a consumer proposal may be worth exploring. It’s a legal option that can help you reduce what you owe, stop interest, and avoid bankruptcy—while keeping your assets.

But it’s not the right solution for everyone.

In our latest guide, we walk through:
✔️ What a consumer proposal is
✔️ When it makes sense (and when it doesn’t)
✔️ How the process works in BC
✔️ What to consider before moving forward

If your current approach isn’t working, understanding your options is the first step toward relief.

📖 Click the link below to read the full guide.

Have questions? Our team at Smythe Insolvency offers free, confidential consultations—no pressure, just clarity.

Struggling with debt in BC? Learn when a consumer proposal is the right option, who qualifies, and how to take the next step.

After experiencing a major personal loss George, a Vancouver business owner, fell behind on his taxes—leading to seven y...
03/31/2026

After experiencing a major personal loss George, a Vancouver business owner, fell behind on his taxes—leading to seven years of unfiled returns and $143,000 in debt with the CRA and other creditors.

He was facing serious consequences, including potential bank account freezes and ongoing collection pressure.

After connecting with our team, we helped George:

• File 7 years of outstanding tax returns
• Confirm and address his full CRA debt
• Set up a consumer proposal with manageable monthly payments
• Stop all collection actions immediately

Most importantly, he regained peace of mind and a clear path forward.

“They were compassionate, professional, and confident with a plan… the burden lifted from my shoulders.”

If you’re struggling with CRA debt, there is a way forward—and you don’t have to navigate it alone.

Click the link below to read more about George's story or to book a free, confidential consultation to explore your options.

Resolve CRA debt and unfiled tax returns in Canada. See how a Vancouver business owner eliminated $143K in debt with a consumer proposal.

Worried that filing for bankruptcy or a consumer proposal could affect your spouse?It’s one of the most common questions...
03/11/2026

Worried that filing for bankruptcy or a consumer proposal could affect your spouse?

It’s one of the most common questions we hear — and one of the biggest reasons people delay getting help.

In British Columbia, insolvency filings are individual legal processes. Your spouse is not automatically responsible for your debts, and their credit score is not directly affected. However, joint or co-signed debts can change the picture.

In our latest blog, we explain:
• What happens to joint debts
• How your spouse’s income factors into bankruptcy
• Whether your home or assets are at risk
• The difference between bankruptcy and a consumer proposal

If debt has been creating stress at home, clear information can make all the difference.

Read the full article and understand your options. If you have questions, our Licensed Insolvency Trustees in BC offer free, confidential consultations.

Learn how joint debts, credit scores, income, and your home may be impacted if you file for bankruptcy or a consumer proposal in BC.

Self-employment offers flexibility and independence — but it can also mean unpredictable income, missed tax instalments,...
03/10/2026

Self-employment offers flexibility and independence — but it can also mean unpredictable income, missed tax instalments, and mounting debt.

If you’re a freelancer, contractor, sole proprietor, or incorporated business owner in British Columbia struggling with CRA tax debt or rising credit balances, you’re not alone. Self-employed individuals have the same legal debt relief protections under the Bankruptcy and Insolvency Act as salaried employees.

Options may include:

✔️ Consumer Proposals — repay a portion of your debt with fixed monthly payments while keeping your assets
✔️ Personal Bankruptcy — eliminate most unsecured debts and stop collection activity
✔️ CRA Tax Debt Solutions — income tax and GST debt can often be included

Filing immediately stops garnishments and collection calls — including action from the CRA.

Smythe Insolvency helps self-employed individuals across BC understand their options and move forward with confidence.

Read our latest blog to learn more and book a free, confidential consultation today.

Self-employed Canadians have the same legal debt relief protections under the Bankruptcy and Insolvency Act (BIA) as salaried individuals.

Address

221 Esplanade W Suite 301
North Vancouver, BC
V7M3J3

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm

Telephone

+18887512668

Website

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