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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

Stress-Free Path to Financial Freedom.

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 Fort McMurray, AB, Canada

Financial challenges are a reality many face, but they don’t have to define your future. At BNA Debt Solutions, we’re committed to helping Fort McMurray residents find a path to financial stability. A consumer proposal provides a practical way to reduce debt and safeguard your assets, giving you the foundation for a more secure and stress-free tomorrow.

Your path to financial freedom begins with a free consultation. Our dedicated team will guide you through options like a consolidation loan or debt relief strategies that fit your unique needs. Let’s work together to create the financial future you deserve. Schedule your free consultation today and take the first step toward a new beginning!

The Dark Side of Debt: How It Can Hinder Your Financial Freedom

Financial Burden: The Weight of Unpaid Debt

Every unpaid bill, overdue loan, or missed payment can make you feel trapped, especially if you’re living in Fort McMurray and struggling to stay ahead. As debt grows, the burden can feel heavier, impacting your day-to-day life. Whenever you feel this weight, know that we’re here to support you.

Interest Costs: The Invisible Thief

Interest charges on your debt pile up quickly, turning a manageable balance into an overwhelming amount you struggle to afford. It’s an invisible thief that steals more of your hard-earned money each month. We want to help keep your money where it belongs—in your pocket.

Over-Indebtedness: The Spiral You Can’t Escape

Over-indebtedness can feel like a never-ending spiral. Creditors call, debts mount, and your options seem limited. We’re here to help guide you through this and find a way out of debt problems.

Reduced Creditworthiness: The Long-Term Damage

Debt, especially when it goes unresolved, can severely damage your credit. The impact lasts for years, affecting your ability to buy a home, get a car loan, or even land a job. Together, we can work on strengthening your financial future.

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

See How Our Licensed Insolvency Trustees Helped Albertans Overcome Debt for over 27 years

Our Licensed Insolvency Trustees (LITs) have helped countless Albertans, including residents of Fort McMurray, find relief from overwhelming debt. We’re honored to serve individuals working in industries tied to the Athabasca Oil Sands and members of the Woodland Cree, Chipewyan, and Métis communities. With a deep understanding of these communities’ unique challenges, our team provides personalized, compassionate assistance to help you regain financial stability and peace of mind.

Here's What Our Clients Have to Say:

BNA Debt Solutions was the best choice I made. I filed my Consumer proposal in 2019 and completed it in 2022. I am so grateful to them for helping me get my debt repayment so easy. They helped me and made the process so easygoing. When in doubt, they were always there to answer my questions. I highly recommend BNA Debt Solutions to everyone out there who wants a fresh start and needs help to get out of debt. They have amazing Proposal programs with payments that suit your budget.

Majeed Khan

I was referred to BNA Debt Solutions and from my first contact with Nicole I felt at ease. There was no judgement and she answered every one of my questions thoroughly and I felt very comfortable with her. She made sure to show all options for our situation and met with us outside business hours to accommodate our needs. Barry also was very friendly and accommodating to our schedule and educated us on how easily debt can get out of hand. Before I reached out to BNA, I was stressed, anxious and felt like I had no solution to my debt problems but now 2 weeks later I feel like I can breathe again and there is a light at the end of the tunnel. We still have a long way to go but now I feel like I'm more in control of our situation. Don't delay if you are struggling with debt. Reach out! BNA has the answer and can send you in the right direction. I'm so glad I did!!!

Tina Timmons Designation

Facing financial challenges can feel disheartening, a sign of our personal failure. The staff of BNA understand that frustration and are the first to dispel the sense of disappointment. They instil an understanding of how circumstances, many beyond one’s control, can produce that initial impression of this letdown, and then persistently show us how to move beyond this sense of failure to guide us through the many steps needed to address the current state and how to move forward and regain control. The advice is excellent and the work done promptly and thoroughly – a steady influence at our time of need. BNA is worthy of their great reputation – I highly recommend them to guide you through your consumer proposal.

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

What Is a Consumer Proposal and Why Is It the Best Debt Solution?

A consumer proposal is a practical way to manage your debt without the stress of filing for bankruptcy. It allows you to pay a portion of what you owe while protecting your assets, giving you a fresh start. With the help of a licensed insolvency trustee, you can regain control and move toward financial freedom.

Consumer Proposal vs. Bankruptcy

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

See How Much Debt You Could Potentially Reduce with our Consumer Proposal Calculator!

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

Ready to Tackle Your Debt? Schedule a Free Consultation.

Debt Relief Doesn’t Have to Be Complicated: Simple Steps to Financial Freedom in Fort McMurray

Dealing with debt can be overwhelming, but we’re here to help. If you’re looking for a debt relief solution in Fort McMurray, Alberta, consider these simple steps:

  1. Free Consultation: Let’s discuss your unique financial situation.

  2. Personalized Plan: We’ll craft a consumer proposal tailored just for you.

  3. Relief and Repayment: Regain control with affordable monthly payments.

Reach out to us today and start your journey to financial freedom with a consumer proposal.

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

Are You Eligible for Debt Relief? See if You Qualify for a Consumer Proposal

  • Owe less than $250,000 in unsecured debts (excluding your mortgage).

  • Looking for a way to avoid bankruptcy and protect your assets?

  • Consumer proposals may help you restructure your debt and regain control.

Our Licensed Insolvency Trustees (LITs) are here to provide professional, compassionate guidance. We’re dedicated to helping you find the right solution for your unique financial situation.


Do Consumer Proposals Cover Secured or Unsecured Debts?

Consumer proposals primarily address unsecured debts like credit cards and personal loans. Secured debts, such as mortgages, are not included but can be managed separately.

Why Thousands Trust BNA Debt Solutions for Debt Relief in Fort McMurray, AB

A Legacy of Trust: 25+ Years of Excellence

For over 25 years, BNA Debt Solutions has supported Albertans struggling with debt. Our reputation is built on compassion, professionalism, and real results. We understand the weight of financial stress and are here to offer support every step of the way.

Debt Solutions Designed Around You

We know that every financial situation is different. That’s why we create consumer proposals that are tailored to your budget and needs. You deserve a solution that helps you breathe easier, and we’re here to make that happen—without judgment, just understanding.

Clear, Honest, and Transparent Advice

At BNA Debt Solutions, honesty is key. You’ll never face hidden fees or surprises. We believe in clear communication so you can make confident decisions about your financial future. Our goal is simple: to help you find the best solution without the stress.

 

From Stress to Success: Debt Relief That Lasts

Say goodbye to creditor calls and constant worry. With a consumer proposal, you’ll regain control of your finances and create a clear path forward. This is more than just a quick fix—it’s a long-term solution that brings real relief.

Focused on Solutions, Not Selling

Our priority is always to find the right solution for your unique situation, not to push products or services. Whether it’s a consumer proposal or another option, we’re committed to helping you find what works best for your future.

Where Trust Meets Proven Results

With BNA Debt Solutions, you’re never alone. Our Licensed Insolvency Trustees (LITs) are with you throughout the process, offering expertise and support at every turn. Together, we’ll find the path to a fresh start and a secure financial future.

Save More, Stress Less, And Keep What Matters Most

We understand the weight of your financial problems and stress, and we’re here to offer you a way out. With a consumer proposal, you can regain control of your finances without the fear of losing everything. Here’s how a consumer proposal can help:

  • Experience relief knowing you can reduce the amount owed to creditors.
  • Keep your assets, like your own home and car, safe from repossession.
  • Say goodbye to the constant collection calls and wage garnishments.
  • Simplify your payments by combining your debts into one affordable monthly plan.
  • Avoid the long-term damage of declaring bankruptcy and start fresh.

Ready For A Fresh Financial Start In Fort McMurray?

Consumer proposals offer a solution to manage debts without the harsh consequences of declaring bankruptcy. By negotiating a fair portion of what you owe, you can ease into repayment and avoid bankruptcy itself.

Our Licensed Insolvency Trustees guide you through every step, ensuring a respectful and understanding process. We recognize the courage it takes to seek help and honor your trust by crafting solutions tailored to your needs.

When dealing with creditors, a trained professional by your side can bring relief. Let us negotiate on your behalf, giving you the space to focus on your future. Fort McMurray offers local offices for convenient support, whether you’re right in the city or the surrounding area.

We care about your financial freedom. Don’t wait—contact our Fort McMurray team for your free consultation today. Call us at BNA Debt Solutions, email us, or fill out our contact form.

Your Partner In Transforming Hardship Into Hope

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

Frequently Asked Questions (FAQs)

What are the alternatives to consumer proposals?

In addition to consumer proposals, options include debt consolidation and bankruptcy. Debt consolidation combines multiple debts into one loan, often with lower interest. Bankruptcy is a more drastic step that can affect credit long-term. We prioritize solutions that suit your financial situation and provide a fresh start.

Which debts are covered in the consumer proposal?

Consumer proposals cover unsecured debts like credit cards, personal loans, and lines of credit. They do not include secured debts such as mortgages or car loans. This approach helps reduce debt while protecting essential assets like your home.

How do I know if I qualify?

You may qualify if you owe $250,000 or less (excluding a mortgage). A licensed insolvency trustee evaluates your situation to determine eligibility. You must review your finances and consider a free consultation to explore your options.

How long will it take to pay off my consumer proposal?

Most consumer proposals are designed to be paid off in five years, but if your situation allows, sooner may be possible. Monthly payments are tailored to your income and budget, making financial recovery manageable over time.

What happens to my credit report in a consumer proposal?

A consumer proposal affects your credit, similar to a bankruptcy, appearing as R7 on your credit report. It remains for three years after completing payments. Despite this, it’s a structured way to alleviate debt pressures and can lead to improved financial management.

Can I modify or end my consumer proposal early?

Yes, proposals can be adjusted if your financial situation changes. Early completion is also possible, especially if your income improves. We are committed to providing flexible debt relief solutions that adapt to your needs, aiding in your journey to financial stability.

Areas We Help: Fort McMurray

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