Charla Smith & Company Ltd.

Financial Advice

Financial Advice

A consultation with a Licensed Insolvency Truste 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 initial, no-charge financial assessment we listen without judgement. We care about finding the solution - whether it is budgeting, an informal payment plan, debt consolidation, Consumer Proposal or Bankruptcy - that best fits your needs. You are not committing to any particular course of action by having us perform a financial assessment - you are simply exploring options.  

We at Charla Smith & Company care about finding the right path for you and are committed to going the extra mile because we believe in doing the right thing, and we want to see you succeed in getting relief from your debt.

Taking Stock - Assessing Your Debt 

A financial assessment begins with an in-depth look at your debt and all related factors such as employment situation, family circumstances, spending habits and patterns - anything that will help us clearly understand your current state. 

This initial no-charge consultation will help us determine and share with you your best options to achieving debt relief. This review is undertaken with the strictest confidence, and with full consideration of how difficult it can be to share personal and financial details related to your debt. 

We understand what a burden debt can be and are here to help put your financial worries behind you.

Your Very Own Debt Relief Professionals

After listening and understanding your situation, we present and explain your options along with our professional guidance and advice. 

Together, we determine the best way for you to achieve true relief from your debt. All of this is done privately and confidentially, and without judgement. Debt solutions can be as simple as creating a budget and a plan for you to pay down your debt, or may require stronger measures such as a Consumer Proposal or Bankruptcy. 

Our goal is to provide you with an unbiased overview of all your options based on your unique circumstances, and to help you achieve debt freedom your way.

Get Relief From Your Debt

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 your debt solutions in a way that respects your dignity and acknowledges your unique circumstances.

Our small team of insolvency professionals provide financial assessment, consumer proposal and bankruptcy services. 

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

You Are So Much More Than Just Your Debt

Financial consultations provide the information needed to create a plan addressing your debt with practical solutions that take a holistic view of your situation. 

Charla Smith & Company will help you get relief from your immediate debt problem and take the right steps for your future financial health. 

Debt, and the stress it brings, has a way of impacting every area of our lives, but you are not defined by your debt. It is possible to find a solution that actually cures your debt stress, and we are here to help you find it. If your debt feels overwhelming and is making it hard to live life to its fullest, it’s time to reach out.

Frequently Asked Questions

Q: Does talking to a Licensed Insolvency Trustee mean I have to go bankrupt? 

A: Not at all. Bankruptcy is one of the services we provide but it is not the best solution for everybody. In fact, more often than not we recommend a solution other than bankruptcy. A Licensed Insolvency Trustee is simply the best resource for reviewing your options, as we are highly trained, regulated by the government and our professional association, and well-versed in a variety of options. 

Q: How much does a financial assessment cost? 

A: Nothing. We offer free consultations to anyone looking to review their options for dealing with their debt. If we decide together that one of the services we provide is the right option for you, there will be payments you need to make in connection with that, but that will occur only after you have made a decision and signed the formal documents. 

Q: How long will the assessment take? 

A: Our initial consultations typically last from 30 minutes to an hour and we can often provide recommendations during the initial meeting. Sometimes we may need to have a few conversations, depending on the availability of the information and how complicated your situation is. Where there is an urgent issue like a court action or your wages being garnished, we are able to work quickly with you to sort out a solution.

By taking the time to fully understand your situation and explain how your unique attributes and goals impact the desirability of each option, we are able to provide you value beyond what you could learn by researching options on your own. 

Q: What do you need to do to book a consultation for financial advice?

A: Reach out to us. You can make an inquiry directly from our website by clicking here, or you can call or text us at 403-899-3890. We will respond quickly, and work with you to find a good time for the meeting.

Q: Where will the meeting be held?

A: Our office is at 300, 1933 10 Ave SW, easily accessible from Bow Trail or Crowchild Trail, and a short walk from the Sunalta C-Train station. Click here for a map to our location. 

Alternatively, we can have the meeting by phone or video call – let us know if this is your preference, and we will provide you with a number or an internet link for the call. 

**Currently, we are taking precautions to prevent the spread of COVID-19, so we are strongly encouraging video or phone call consultations. However, if it is necessary to meet in person, we will be following guidelines to make sure any visit to our office is safe.**

If you’re not sure you need a full consultation but have a few questions, give us a call, text, or email with your questions.

Q: What do I need to do to prepare for the meeting?

A: Gather together all relevant documentation regarding your financial situation including:

  • Your most recent pay stub or other income documentation
  • Copy of your most recent income tax assessment and tax return
  • List of who you owe money to, and the amount you owe to each
  • Any invoices, statements, or demands from creditors
  • If you own your own home, request a current statement from your mortgage holder, and dig up your most recent property tax assessment notice
  • Any other paperwork you think is relevant, like family court orders, loan agreements, lease agreements, etc.

Don’t worry if you can’t find everything or don’t have time to look for all of it before the meeting. We will work with you based on the available information and fill in the blanks later.

If you aren’t sure what is relevant, take a look at this form (click here to see document) that we use to organize the information about your financial situation. It gives you an idea of the types of information we will be asking for. And if you want to start filling it out before the meeting, go ahead and do so and bring it to the appointment.

What Clients Are Saying

Featured Articles

If you'd like some financial advice but aren't ready to book a meeting or reach out, feel free to check out our blog page, where we post articles and information that can help you do your research or understand the supports available in the Calgary area. For example:

Charla Smith & Company Ltd.

Charla Smith & Company Ltd.

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 Calgary, AB and surrounding areas.

Your Trusted Choice for Debt Relief

Using our experience and our caring approach, we will help you find the best solution based on your unique needs - from advice on talking to your creditors to bankruptcy, and everything in between. We are here to relieve you from the burden caused by overwhelming debt. 

 Contact us today at 403-899-3890 for a FREE no-commitment consultation, and let us help you regain your financial footing.

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