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  • About
    • Our Team
    • News, Updates and Notifications
  • Debt Solutions
    • Consumer Proposal
    • Personal Bankruptcy
    • Debt Repayment Planning in Alberta
    • Debt Repayment Calculator
  • Resources
    • BNA’s Resource and Help Center
    • Financial Blog
    • White Papers & Success Stories
    • Personal Information Forms
    • Debt Breakdown Podcast
  • Contact Us
  • (403) 232-6220

Leave Debt Behind – Your Fresh Start Is Just One Step Away

Find Trustworthy Debt Relief Now!
Let’s Create Your Custom Plan Today – Free & Confidential

100% Free Consultation – No Upfront Costs, No Obligation, Just Peace of Mind.

  • Stop creditor calls and regain your peace of mind.
  • Protect your home, car, and RRSPs.
  • Personalized solutions tailored to your unique needs.

Consumer Proposal In Airdrie, Alberta, Canada

Debt is more than numbers—it’s that uneasy feeling about your future. For many in Airdrie, finding relief feels out of reach. But with a consumer proposal, you can protect what matters most and move forward confidently.

At BNA Debt Solutions, we’ve spent over 27 years helping Albertans navigate the toughest financial challenges with care and understanding. You’re not alone in this—we’re here to provide options that fit your unique needs and help you rebuild at your own pace. Let’s start your journey to debt relief together.

The Benefits of Tackling Debt: Building a Brighter Future in Airdrie and Beyond

Finding Peace of Mind

Debt can feel overwhelming, but a consumer proposal offers a clear way to regain balance. Many in Airdrie have found relief through this flexible solution, which reduces stress, improves sleep, and helps rebuild relationships. Taking that first step can lead to lasting peace of mind.

Protecting What Matters Most

Acting early with a consumer proposal can safeguard your finances and prevent challenges like wage garnishments or persistent creditor calls. This legally binding agreement lets you protect key assets, like your home or car, while staying in control of your financial future.

Building a Stronger Future

Addressing your debt through a consumer proposal gives you the chance to stop penalties and interest from growing. By starting now, you can secure financial stability and focus on creating a confident future for yourself and your loved ones.

The Path to Relief: Licensed Insolvency Trustee

No matter how overwhelming things may feel, solutions are available to help you confidently move forward. Working with a Licensed Insolvency Trustee can help you explore options like consumer proposals, allowing you to regain control over your finances without declaring bankruptcy.

Let’s Create Your Custom Plan Today – Free & Confidential

From Overwhelmed to Empowered: Let BNA's Licensed Insolvency Trustees Help You Take Back Control

Here's What Our Clients Have to Say:

When facing financial hardships. It is a blessing to have Simmie in your corner. Grateful for the professional yet personal care I received throughout my experience. Thank-you BNA for all your help.

Archie W.

Working with Lori has been the best experience we could possibly have had in this situation. She’s not only caring, but so informative and goes above and beyond for her clients to make sure they have all the information and understand the process. Thank you 🙏

Carla Fisher Designation

BNA Debt Solutions has been awesome to my husband and I. Thank you again for all you have done for us throughout our hard times.

Kathy Gates Designation

My experience with BNA Debt Solutions has been a eye opening about my finances and how to manage my money better. With the professionalism and friendly team that you have. Any questions that I needed answers to they were there to help in anyway they could. I have copied extra monthly expense forms to use when I need to, to keep me on track. I have recommended your company to my friends who have needed help. A very professional company.

Karen Bobier Designation

I've had a wonderful experience with BNA Debt Solutions. The team was knowledgeable, quick, and professional. Simmie and Harman helped guide me through the whole process, showed me all my options, and made what could have been a stressful financial situation, bearable. They could not have been more kind. I would highly recommend their services for anyone dealing with any financial difficulties.

Brad Designation
Let’s Create Your Custom Plan Today – Free & Confidential

What is a Consumer Proposal, and How Can It Help You Get Back on Track?

A consumer proposal is a formal agreement negotiated with creditors, allowing you to repay only a portion of your debt over a manageable time frame. This option is less severe than declaring personal bankruptcy and helps to relieve financial stress.

In Airdrie, Alberta, many individuals find that they can halt active collection activity and protect their assets by opting for a consumer proposal. Working with a Licensed Insolvency Trustee (LIT) allows us to tailor the same consumer proposal services to your unique financial circumstances, ensuring a solution that suits your needs.

Compare Your Debt Relief Options: Why a Consumer Proposal Works

Get Your Free, No-Obligation Consultation

Speak with one of our experts to learn how a consumer proposal can help you reduce your debt and regain peace of mind.

Schedule a Free Consultation

Use Our Consumer Proposal Calculator to See How Much You Can Save!

Note: This is an average repayment, however, each person’s circumstances will impact their repayment

Ready to Tackle Your Debt? Schedule a Free Consultation.

Filing a Consumer Proposal Made Simple: Your Step-by-Step Roadmap

Filing a consumer proposal doesn’t have to feel overwhelming—it’s simpler than you might think. We’re here to walk you through every step, from your first consultation and consumer proposal work to the final agreement, breaking everything down in a way that’s easy to understand. With clear guidance and support, you’ll always know what’s coming next and how we’ll handle it together.

  • Free Consultation: First, meet with our experts to discuss your financial situation. This gives us a clear picture of your debts, income, and assets.
  • Proposal Creation: We draft a proposal tailored to your financial capacity, considering unsecured debts and other commitments. This is crucial for making realistic monthly payments.
  • Proposal Submission: Your proposal is then presented to your creditors for assessment.
  • Creditor Approval: Creditors review and vote on your proposal. A majority vote is needed for acceptance.
  • Finalizing the Agreement: Once accepted, the proposal becomes a legally binding agreement, setting your payment terms into motion.

We're Here to Help.

Let us show you how we can simplify your financial situation and give you the fresh start you deserve.

Schedule a Free Consultation

Now That Your Proposal is Accepted, What Should You Expect?

Once your proposal is approved, you can start making the agreed monthly payments. This stops active collection and credit-due activity and gives you the breathing room to manage other expenses.

We will track your payments and ensure that everything stays as planned. Our team will be by your side, providing support and ensuring your financial situation remains stable. This is key to maintaining trust, keeping you informed, and adjusting monthly payment, if needed.

The BNA Difference: Why We're the Right Choice for Your Consumer Proposal in Airdrie

Over 27 Years of Reliable Experience

We've been serving Albertans with dedication and trust. Our expertise and strong reputation make us a reliable choice for anyone in Airdrie seeking debt relief.

Personalised Debt Relief That Works for You, Not the Masses

From Silver Creek to Coopers Crossing, we tailor consumer proposals to fit your unique situation and budget. Your financial relief should reflect your specific needs, not just a generic solution.

Built on Integrity: Clear, Honest, and Ethical Solutions

We promise transparent, upfront advice without hidden fees. Trust us to provide solutions that put your best interests first.

Fast-Track Relief with Lasting Results

Imagine no more creditor calls and a clear path to financial relief. We aim for immediate and long-term results for your peace of mind.

Focused on Your Needs, Not Upselling

Our priority is finding the right solution for you. We won't push unnecessary services—just genuine support and the right solutions.

Expertise You Can Rely On, Trust You Can Count On

Our Licensed Insolvency Trustees are actively involved, ensuring experienced professionals guide every step. Rest assured, you're in trusted hands throughout your debt relief journey.

Not Sure if You Qualify for a Consumer Proposal in Airdrie? Find Out What You Need to Know!

Qualifying for a consumer proposal means having at least $1,000 in unsecured debt and your total unsecured debts (excluding mortgages) are under $250,000. You’ll also need to show you can afford smaller, more manageable payments. This solution is ideal if your debts exceed your assets or payments feel unmanageable, offering a practical alternative to bankruptcy.

With a Licensed Insolvency Trustee by your side, you’ll explore a plan that truly fits your needs. This is not just about numbers—it’s about giving you the breathing room to rebuild your life and find peace of mind again. You don’t have to face this alone; there’s a way forward, and it starts here.


Get Expert Advice on Whether a Consumer Proposal Fits Your Situation

We know deciding between a consumer proposal and bankruptcy isn’t easy. Our Licensed Insolvency Trustees at BNA Debt Solutions offer free, personalized consultations to guide you through this choice. Whether you’re managing unsecured debts or concerned about proposal payments, our experts understand your situation.

Serving Airdrie and Surrounding Areas with Consumer Proposal Solutions

We proudly serve residents across Airdrie and its surrounding areas, offering expert debt relief solutions tailored to your needs. Our services are available to individuals in popular neighborhoods like Kings Heights, Ravenswood, Coopers Crossing, and Bayside. We also assist those in nearby communities, including Crossfield, Balzac, and other parts of Rocky View County.

For those near Airdrie’s key landmarks like the Airdrie Farmers’ Market, Nose Creek Park, or the Genesis Place Recreation Centre, we’re just a call away. Whether you prefer an in-person consultation, a remote video call, or phone assistance, our Licensed Insolvency Trustees are here to help. Wherever you are in Airdrie, relief is within reach.

Ready to Take Control of Your Finances? Schedule Your Free Consultation Today!

Break free from the stress of debt and reclaim control of your life. A consumer proposal can protect your assets, stop creditor calls, and provide a clear path to stability. Take the first step today and move toward a future filled with confidence, peace, and financial freedom.

How to Get Started

  1. Free Consultation: Take the first step with a free consultation. We’re here to support you, whether you prefer to connect remotely or in person.

  2. Plan Together: Our team helps create a strategy that suits your needs and budget.

  3. Move Forward: Take the first step toward financial freedom with our support.

Together, We Turn Financial Struggles into Strength

We’ve worked hard to earn the trust of Albertans for over 25 years. We’re proud to be recognized for our commitment to excellence and transparency.

Get Your Free, No-Obligation Consultation

Speak with one of our experts to learn how a consumer proposal can help you reduce your debt and regain peace of mind.

Schedule a Free Consultation

Your Debt Relief Questions, Expert Answers Await (FAQs)

Can a non-profit credit counsellor file proposals?

No, only a Licensed Insolvency Trustee can file consumer proposals. Non-profit credit counsellors provide advice but cannot create legally binding agreements like a consumer proposal.

Does the federal government back consumer proposals?

Yes, consumer proposals are governed by federal law, ensuring creditors receive payment under terms that respect your financial situation and rights.

How is a licensed trustee different from for-profit companies?

Licensed trustees operate under federal government regulations, providing impartial and legally binding solutions, unlike for-profit companies that often charge higher fees.

How does a lump sum payment impact your credit rating?

Paying a lump sum through a consumer proposal reduces overall debt and stops accruing interest. This can improve your credit rating over time, helping you recover financially in Airdrie and Canada while avoiding bankruptcy.

What happens after creditors accept my proposal?

Once accepted, your proposal becomes a legally binding agreement. You’ll start making manageable payments, and creditors will no longer contact you about your financial affairs.

Areas We Help: Airdrie

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  • Fax: (403) 232-6262
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