Licensed Insolvency Trustee | Consumer Proposals |  Bankruptcy Calgary, Alberta



Debt can feel overwhelming and affect all aspects of your life - relationships, mental and physical health, and career. It’s not unusual for people to feel like they’re struggling with more than just their debt. Charla Smith & Company understands the heavy burden caused by overwhelming debt and has both the experience and expertise to help you find a workable solution. We are licensed to provide you with the options of a consumer proposal or bankruptcy where appropriate, but we always let you know about other options that might be right for you.

As a Licensed Insolvency Trustee, Charla Smith & Company provides expert advice, listens without judgement, and supports and empowers you to move forward and take back control of your finances. The goal is to find the best solution based on your unique situation and to do that we approach each conversation with kindness and an open mind.


Debt happens, and we know there are many reasons why people get into financial difficulty. At Charla Smith & Company, our job is not to judge but to help. We will discuss how to solve your debt problems in a way that respects your dignity and acknowledges your unique circumstances.

Our small team of insolvency professionals provide financial advice and can offer consumer proposals and bankruptcy filings where appropriate. 

We’re here to answer questions, guide, and advise you so you can take back control of your financial situation. Complete this contact form or call us at 1-403-899-3890 today for a confidential FREE no-commitment consultation.

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Debt can feel unmanageable and overwhelming and can affect all aspects of your life. It’s easy to feel like there’s no way out of it.

At Charla Smith & Company, we understand the stress caused by unsustainable debt. As a Licensed Insolvency Trustee, we're here to help with financial advice and we can offer relief from your debt through a consumer proposal or bankruptcy.

Your best interests always come first. We listen without judgement and provide unbiased expert advice. Contact us today at 1-403-899-3890 for a FREE, confidential, no-commitment consultation, and let us empower you to move forward and take back control of your finances.


When facing what may feel like insurmountable debt, you need access to professionals you can trust. Charla Smith & Company provides unbiased advice about your options for debt relief, which, depending on your situation, may include formal insolvency options like a consumer proposal or bankruptcy. Learn more about how we can help you get rid of your financial stress.


Bankruptcy isn’t the end - it’s a new beginning. When your debt becomes unmanageable with little hope of being able to pay it back, bankruptcy may be the answer.  We at Charla Smith & Company understand the impact bankruptcy can have on you, and will only recommend it i

Consumer Proposal

If your debt (not including any mortgages on your home) is under $250,000*, a Consumer Proposal may be the best way to get relief. A Consumer Proposal allows you to consolidate your debts while avoiding filing for bankruptcy or losing your assets. You usually repay only a portion of your d

Financial Advice

A consultation with a Licensed Insolvency Trustee is the foundation of your debt relief plan. It helps us to understand and consider all the factors related to your debt situation so we can assist you with optimal advice and support throughout your journey to debt freedom. During our initi


Charla Smith & Company's experienced professionals are here to help by providing comprehensive solutions and advice. We listen without judgement and support and empower you to take control of your finances. We approach each conversation with kindness and an open mind to ensure we point you to the solution that's right for you.


Why You Shouldn’t Write Off Bankruptcy As An Option

May 18, 2023
Most people shudder at the thought of filing bankruptcy. And that’s fair. Bankruptcy is a big step that should only be taken when all other options won’t work. Most people who reach out for help with overwhelming debt would prefer to avoid bankruptcy. That’s why Con

Is Bankruptcy Always Worse For Your Credit Than A Consumer Proposal?

May 9, 2023
One of the main things people worry about when considering bankruptcy is what it will do to their credit rating. This is a legitimate concern, as bankruptcy gets reported as a negative item on your credit report. The effect on a person’s ability to obtain credit is something we alway

What To Do Before You Call A Licensed Insolvency Trustee

April 25, 2023
For most people, contacting a Licensed Insolvency feels like a big step, partly because it involves admitting it’s time to consider an insolvency filing. However, most people who put off making that call end up confessing they wish they’d sought help sooner. So how do you ge


With our experience and our caring approach, we will help you find the best option for debt relief based on your unique situation - from advice on talking to your creditors to a consumer proposal or bankruptcy, and everything in between. We are here to lift the burden caused by overwhelming debt. 

Contact us today at 1-403-899-3890‌ for a FREE, confidential, no-commitment meeting, and let us guide you to regaining your financial footing.

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