No Pressure, No Judgment—Just Honest Debt Solutions That Work.
100% Free Consultation – No Upfront Costs, No Obligation, Just Peace of Mind.
Debt can be overwhelming, especially when it feels like there’s always something looming over you. But you’re not alone in this. There are clear steps you can take, and BNA is here to help you move forward with confidence—without judgment, just support and solutions to help you feel more confident about your next steps.
A consumer proposal could be the solution you need. It provides creditor protection and repayment flexibility, giving you the relief you deserve. Together, we can ease your financial burden and put you on the path to a fresh start.
You deserve a debt solution that works for you. Our Licensed Insolvency Trustees (LITs) are here to guide you—judgment-free—so you can finally breathe again. Whether it’s bankruptcy or a consumer proposal, we’ll guide you through every option without stress or judgment.
A consumer proposal provides more positive benefits than you think and will turn common misconceptions into a feeling of relief.
The longer you wait, the more your debt—and stress—grow. Relentless interest charges, the anxiety of checking your bank account, and the fear of another collection call… It doesn’t have to be this way. The sooner you act, the faster you can take back control. With a consumer proposal, we stop that growing interest immediately, giving you the breathing room you desperately need to rebuild.
When dealing with debt problems, it's hard to focus on anything else. Constant creditor harassment, collection calls, and the fear of wage garnishments can make you feel trapped. But with a consumer proposal, you get the peace of mind you deserve. No more sleepless nights, no more worrying about lawsuits.
We understand the frustration of watching your credit rating fall as you face financial hardship. But the good news is that starting a repayment plan through a consumer proposal is the first step to rebuilding your credit.
Your home, your car, the things that matter most—they should not be put at risk. Unlike declaring bankruptcy, a consumer proposal protects your assets. Taking action early prevents your valuable possessions from being used to pay off debts.
Free & Confidential Consultation
If you’re feeling trapped by credit card debt or payday loans, a consumer proposal might be the solution you need. This legally binding agreement allows you to repay only a portion of what you owe over a flexible period of up to five years. Our team of Licensed Insolvency Trustees at BNA Debt Solutions is here to guide you through the entire process.
To qualify for a consumer proposal in Alberta, your unsecured debt must stay within a specific limit under the Bankruptcy and Insolvency Act. You’ll also need a steady income to make consistent monthly payments. A consumer proposal in Alberta can protect important assets, such as your home or car.
Here are the key conditions:
Your unsecured debt is under $250,000 (mortgage excluded).
You can make regular monthly payments based on your income.
You’re dealing with unsecured debts, like credit card debt and payday loans.
You must be approved through a majority vote from your creditors.
Once you meet the eligibility criteria, this debt solution can be a real lifeline. Not only will it give you immediate relief, but it can also help rebuild your credit over time. Let’s take the first step together and discuss your situation with a free consultation.
Our experts can help you explore a consumer proposal and other debt solutions. No pressure, just a plan that works for you.
Note: This is an average repayment, however, each person’s circumstances will impact their repayment
When facing debt, your biggest fear is losing everything you’ve worked for. But here’s the good news: You have options. A consumer proposal lets you keep your home, protect your assets, and avoid the long-term consequences of bankruptcy—all while making affordable payments that fit your budget.
Below is a comparison that highlights how a consumer proposal stacks up against other popular options like bankruptcy, debt consolidation, and credit counselling.
Filing for bankruptcy may feel like the only way out, but it’s a tough road with lasting consequences. It leaves a permanent public record, making it hard to rebuild your life and credit. And, in some cases, you might lose the very things you’ve worked so hard for—your home, your car, or other vital assets.
But it doesn’t have to be this way. A consumer proposal offers a way to take back control. It’s not just about reducing your debt but protecting your future. You can regain your peace of mind, keep your assets, and rebuild your credit without the heavy burden of bankruptcy.
Discover debt solutions tailored to your needs and take the first step toward relief.
When you’re struggling with debt, it can feel like you’re facing it alone. But with a Licensed Insolvency Trustee from BNA Debt Solutions, you gain a dedicated partner who understands the emotional toll and will guide you with compassion and care.
Here’s how we support you at every step:
Initial Free Consultation
We begin with a confidential, non-judgmental assessment of your financial situation. Whether you’re near Saamis Teepee, overlooking the city, or in a quiet neighbourhood like South Ridge, we offer a safe space to explore your options without pressure.
Review Financial Details
We’ll closely examine your debts, income, and repayment capacity to get a clear picture of your financial health. Whether you’re in Ross Glen, Downtown Medicine Hat, or enjoying a quiet moment in Kin Coulee Park, we’ll help you find a path forward.
Work with a Licensed Insolvency Trustee
Our professionals will work with you to develop a consumer proposal that meets your needs, ensuring you’re on the right path. We’ll consider your specific situation, whether you’re near the bustling downtown core or in a quiet corner of Southwest Hill.
Proposal Submission and Negotiation
We’ll submit your proposal and negotiate with creditors on your behalf, working towards a manageable solution.
Once approved, a legally binding plan brings you peace of mind and relief from creditors’ actions. We’re with you every step of the way. With over 200 positive reviews, our personalized approach has earned us the trust of many who were once in your shoes.
For over 27 years, we've helped Medicine Hat residents overcome their debt problems, providing reliable debt relief solutions for communities across the city.
No two situations are the same—whether it's a consumer proposal or informal debt settlement, we tailor every solution to meet your unique financial needs, ensuring the best possible outcome.
You'll always receive clear, honest guidance—no gimmicks, just real solutions to help you confidently tackle your debt.
We've helped countless people overcome financial hardship by stopping creditor calls, protecting their assets, and finding a clear path to economic stability.
Our only goal is to find the best debt relief solution for you—no upselling, just focused support to guide you through.
We are committed to providing clarity and support as you regain control of your financial future. Our Licensed Insolvency Trustees will guide you with care, wherever you are in Medicine Hat, Ab.
We know managing debt can be stressful. A consumer proposal is a structured way to address your financial burdens, offering significant advantages over other debt-relief options.
Reduce total debt: A consumer proposal allows you to negotiate and lower your overall debt.
Avoid bankruptcy and retain assets: Protect assets by choosing this alternative to bankruptcy.
Stop creditor harassment: It stops persistent collection calls and legal actions.
Gain manageable monthly payments: Offers flexibility with a payment plan that suits your budget.
Protect your credit rating from further damage: Keeps your credit rating more intact compared to declaring bankruptcy.
A consumer proposal can help Medicine Hat residents regain control over their finances. With Licensed Insolvency Trustees, financial stability is possible.
Our experts can help you explore a consumer proposal and other debt solutions. No pressure, just a plan that works for you.
We are proud to have earned recognition for our excellent service in Alberta. Our goal is to make complex financial solutions accessible and stress-free, ensuring you don’t face these challenges alone.
Take action now – contact BNA Debt Solutions for a free consultation, virtual or in-person, and explore risk-free debt relief options tailored to your needs.
A consolidation loan combines multiple debts into one, often with a lower interest rate, making repayment more manageable. It simplifies managing multiple creditors by reducing the number of payments and can help regain financial stability.
To regain financial stability, it’s essential to evaluate your finances, reduce expenses, and consider debt relief options like consumer proposals or working with credit counsellors. It’s important to make informed decisions that prioritize your best interests.
The best debt relief option depends on your unique financial situation. A consumer proposal or bankruptcy could be helpful for those with unsecured debts. A non-profit credit counsellor can also help you manage debt and make orderly payments.
Yes, credit counsellors can help you manage financial troubles. They provide budgeting advice, help reduce debt, and offer repayment plans to relieve the pressure of multiple creditors. Working with a qualified counsellor can help you regain control of your finances.
Our Medicine Hat office provides personal service with Licensed Insolvency Trustees who help guide you through the debt relief process. We focus on offering straightforward, tailored solutions that suit your best interests, ensuring you make the most informed decisions about your future.
