About Charla Smith & Company | Local Calgary Licensed Insolvency Trustee

About Charla Smith & Company | Local Calgary Licensed Insolvency Trustee

Debt can feel overwhelming and the stress can 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 knowledge to help you find the right solution to get relief from your debt. We are also licensed to provide you with consumer proposals and bankruptcy options where appropriate. 

As a Calgary-based Licensed Insolvency Trustee, Charla Smith & Company Ltd. provides unbiased 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 taking into account your unique situation and to do that we approach each conversation with kindness and an open mind.

The Best Debt Relief Options

Debt happens. At Charla Smith & Company we understand that there are many reasons why people get into financial difficulty, and we believe our job is not to judge but to help. 

As a Chartered Public Accountant (CGA) since 2004, and a Licensed Insolvency Trustee since 2012, Charla Smith could see the profound impact overwhelming debt has on individuals and their loved ones. Knowing that creditors appreciate a realistic plan and that she could help, she founded Charla Smith & Company to help people find relief from the shadow that debt casts over every part of their lives, in a way that respects their dignity and acknowledges their unique circumstances. 

Charla Smith & Company is a small locally-owned business made up of highly experienced professionals who really care about making a difference. We provide unbiased financial advice about all of your options, including those we are licensed to provide: consumer proposals and bankruptcy. 

We understand that each situation is unique, and offer support in a respectful and compassionate way to empower our clients to take back control of their finances.

We grow our business based on trust. Trust that we will offer you reliable advice on the full range of available options to help you get out of debt, and trust that our recommendations are based on your best interests, not ours. 

Overwhelming debt can elicit feelings of fear, shame and guilt. We understand this and work with you through these feelings to figure out the right path out of debt for you.

Why call us?

So what makes Charla Smith & Company the right choice to explore your options for dealing with debt? 

  1. Trusted advice with your best interests in mind. If you need advice about debt, what you need is a Licensed Insolvency Trustee. There are many other people who can offer you advice, but no other type of financial advisor or consultant is as consistently highly trained, regulated, and trustworthy when it comes to dealing with unmanageable debt. And no other type of professional can offer the option of a consumer proposal or bankruptcy if you need it.
  2. Highly personalized service. Should you decide to proceed with one of the debt relief options we provide, every aspect of your case is handled by our small, highly trained team in Calgary who take the time needed to get to know you and your story.

    Our team members are highly trained insolvency professionals who take great pride in providing the best and most comprehensive advice possible. This advice is geared to your unique situation and we are with you every step of the way throughout the process.
  3. A kind and open-minded approach. We understand the range of impacts that the stress caused by debt can have on all aspects of your life - including relationships, mental and physical health, and career. We empower people in a supportive and compassionate way so they can rise up and move forward with their lives.


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 FREE, no-commitment consultation.

Send Message

Your Path to Debt Relief: Our Process

You’ve been on a long and winding road trying to deal with your debt. As a Licensed Insolvency Trustee, Charla Smith & Company has the experience, and the heart, to help you navigate to the finish line of your debt with confidence and dignity. We are at your disposal to answer questions and alleviate any concerns you may have throughout the process.

  1. Free initial consultation: Following your initial contact, our first step is to schedule a complimentary no-commitment consultation. The purpose of this initial consultation is to gather information about your situation and provide you with information and tailored recommendations with respect to your options. This first meeting can take place via email, phone or video call - whatever is most comfortable for you.
  2. Information and document gathering: After our initial consultation meeting, if you decide to move forward with a service we provide, we will gather more concrete details and documentation from you so that we can put together the documents required to make a filing.
  3. The sign-up: We will review the relevant documents with you to ensure you understand and are clear about the content. Once the documents are finalized, you will sign them so that we can make the official filing with the government.
  4. Fulfilling your duties: When making an insolvency filing, you are committing to performing certain duties over a period of time. The specific duties and the time period depend on the option you choose, but they typically involve attending 2 counselling sessions with us, providing specific information, and making certain payments.
  5. Discharge: Once you have completed all of the required duties over the specified period of time, you receive a discharge from your debts and are released from the process.



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, no-commitment consultation, and let us empower you to move forward and take back control of your finances.

Getting to a Better Place

Unmanageable debt can feel like a neverending nightmare. The right advice is critical to escaping that cycle and moving toward a brighter future. 

As a Licensed Insolvency Trustee, Charla Smith & Company offers financial assessment, as well as consumer proposal and bankruptcy solutions, customized according to your unique circumstances. We have the experience, knowledge, and a non-judgemental approach to provide you with practical, effective and compassionate debt relief services. 

Contact us at 1-403-899-3890‌ for a free consultation and let us help you find the path to that brighter future.


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.

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

Consumer Proposal | Local - Calgary, AB | Reduce Your Debt

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

Bankruptcy | Local - Calgary, AB | Relief From Debt

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, located in Calgary, Alberta, understand the impact bankruptcy can have on you

Our Team

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.



Let us help you get relief from the burden caused by your debt. As a Licensed Insolvency Trustee, Charla Smith & Company are highly trained and experienced in debt relief solutions, and we take great pride in identifying the option that's the best fit for your unique situation. From advice on talking to your creditors to consumer proposals to bankruptcy and everything in between, we’re here to answer questions, guide and advise you so you can take back control of your financial situation. Serving Southern Alberta.


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, no-commitment meeting, and let us guide you to regaining your financial footing.

Or, join our Email List to receive notifications when we post new blogs or have news to share.

Submit Message