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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

Get the Debt Relief You Deserve

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 Lethbridge, AB, Canada

At BNA Debt Solutions, we truly understand the emotional weight of debt and how it can affect every aspect of your life. That’s why we’re committed to offering compassionate, judgment-free support tailored to your unique situation.

Through a consumer proposal in Lethbridge, you can take control of your finances without the need for bankruptcy. This legal agreement allows you to reduce your debt and create a repayment plan that fits your lifestyle. It’s about giving you the relief and hope you deserve, so you can focus on building a future you’re proud of.

Breaking Down Barriers: Understanding Hesitation Around Consumer Proposals and How to Overcome It

Fear of Losing Assets

It's normal to feel uneasy about what debt may bring, though we are here to support and educate you each step of the way. A consumer proposal doesn’t typically require giving up essential assets. Unlike declaring bankruptcy, this option allows individuals to keep their possessions, and with our guidance, we can help negotiate terms to protect your property.

Fear of Paying Back All the Debt

A consumer proposal actually reduces your debt. By repaying just a portion, you can regain control over your finances. With our help, we can create a manageable and fair plan for you.

Fear of Impact on Credit Score

While a consumer proposal does appear on your credit report, it’s less damaging than filing bankruptcy and offers a clear path to rebuilding credit. We’ll help you understand how this process effectively manages your debt.

Fear of Legal Consequences or Court Actions

Concerns about legal threats are common. Filing a consumer proposal stops all collection actions, including wage garnishments and calls. This gives you peace of mind and lets you focus on repayment without ongoing legal stress.

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

Take Charge of Your Financial Future: BNA’s Licensed Insolvency Trustees Guiding Albertans Toward a Fresh Start for Over 27 Years

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 How Can It Help You?

A consumer proposal offers a legal and effective way to settle your debts by creating a formal agreement with your creditors. It’s a lifeline, helping you manage your finances without the drastic step of bankruptcy.

This is your chance to regain control—to reduce what you owe and move forward with hope and relief. Instead of feeling overwhelmed, a consumer proposal provides a clear path to overcoming your financial struggles and rebuilding your future. At BNA Debt Solutions, we’re here to be the shoulder you can lean on.

With a consumer proposal, you don’t have to face bankruptcy—you can reduce what you owe and retake control. For over 27 years, we’ve been helping Albertans, including families in Lethbridge, regain their financial stability.

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.

Step-by-Step: How a Consumer Proposal from BNA Works to Help You Resolve Debt and Rebuild Finances

  • Initial Consultation with BNA Debt Solutions
    Your journey begins with a free consultation where we take the time to truly understand your financial situation and explore debt relief options tailored to your needs. During this meeting, you will get clear, honest advice about how a consumer proposal in Lethbridge can help you eliminate your debt while avoiding bankruptcy.

  • Role of Licensed Insolvency Trustees
    With over 27 years of experience, our Licensed Insolvency Trustees will guide you through the consumer proposal process, which is a legally binding agreement designed to simplify your debt situation. They’ll negotiate directly with all your creditors on your behalf, helping to lower your interest rates and reduce the amount you owe.

  • Agreement on a Monthly Payment Plan
    Once we’ve assessed your finances, we’ll create an affordable monthly payment plan that fits your budget. No more high-interest rates or overwhelming bills. You will make regular payments based on your income, providing you with the relief knowing that your credit history and credit report will improve as you pay down your debts.

  • Settlement with Creditors
    The consumer proposal becomes a legally binding process between you and your creditors. This gives you the certainty that your debts will be settled under one unified plan, allowing you to focus on what truly matters—building a fresh financial future. With BNA Debt Solutions, you will have the right debt solution to overcome your financial difficulty and finally achieve the peace of mind you deserve.

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

Can You Qualify for a Consumer Proposal in Lethbridge? Find Out What You Need to Know

To qualify for a consumer proposal in Lethbridge, you’ll need 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 make regular, affordable payments. If your debts feel overwhelming or exceed your assets, this solution offers a manageable alternative to bankruptcy for Canadian residents and property owners.

A Licensed Insolvency Trustee will work with you to create a plan that fits your unique situation. It’s not just about the numbers—it’s about giving you the space to rebuild your life and find peace of mind. You’re not alone in this journey; there’s a path forward, and it starts right here.

Start Your Financial Recovery with Confidence: Why BNA Debt Solutions is the Right Choice

Decades of Trust in Debt Solutions

With over 27 years of experience helping people in Lethbridge and Alberta, BNA Debt Solutions has earned a reputation for reliability and results. Our track record of success means you can trust us to guide you through your debt relief journey.

Custom Debt Plans for Every Situation

We understand that every financial situation is unique. A consumer proposal at BNA is explicitly tailored to your needs, ensuring your monthly payments are manageable and your debt burden is lightened.

Transparent and Honest Advice Always

At BNA, we believe in transparency. Our team offers clear, honest advice with no hidden fees or surprises, ensuring you fully understand your debt relief options and feel confident moving forward.

Quick Relief, Enduring Solutions

You don't have to wait long to feel relief. Filing a consumer proposal stops creditor calls immediately, and with a manageable repayment plan, you gain long-term financial stability without the stress of constant debt.

Your Solutions Come First

Our focus is on finding the best debt solution for your specific situation. We won't try to upsell unnecessary services; we'll just provide a clear, simple, and effective plan to help you achieve a debt-free future.

Where Expertise Meets Trust

With the support of a Licensed Insolvency Trustee, you'll have a trusted expert guiding you every step of the way, ensuring the legally binding process is smooth and that your debt is resolved in a way that works for you.

The Role of a Licensed Insolvency Trustee in this Process

A Licensed Insolvency Trustee is essential in guiding you through a consumer proposal, ensuring every step is transparent and manageable. As a licensed and trusted debt relief provider, we’re here to walk with you through the legal process, offering support with patience and understanding.

Our team focuses on solutions that ease your financial burden and honour your dignity and trust. At BNA, you’ll find not just experts, but a dedicated team committed to helping you achieve a brighter, stress-free financial future.

Together, Let's Build a Debt-Free Future You Can Be Proud Of

We know how heavy the debt burden can feel, but BNA Debt Solutions is here to help you find peace and financial freedom. You don't have to face this alone—let's take the first step toward a brighter, debt-free future together.

Phone: (587) 906-0583

Email: info@bnadebtsolutions.ca

BNA – Turning Financial Struggles into New Beginnings

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)

How can a consumer proposal reduce unsecured debt in Lethbridge?

A consumer proposal in Lethbridge offers a debt relief solution for reducing unsecured debts like credit card statements. It works by negotiating with creditors to lower the debt, stop interest rates, and help you avoid bankruptcy.

What does a licensed bankruptcy trustee do for debt relief?

A licensed bankruptcy trustee in Lethbridge guides you through debt relief solutions like consumer proposals. They help negotiate with creditors to reduce unsecured debts and manage payments, offering a clear path to resolve financial difficulties without filing for personal bankruptcy.

How does credit counselling improve your financial situation in Canada?

Credit counselling in Canada provides essential strategies to manage unsecured debts and improve your credit rating. By understanding your finances and budgeting, you can tackle financial difficulties and explore options like consumer proposals to avoid bankruptcy.

What's the difference between informal debt settlements and bankruptcy?

Informal debt settlements may reduce some unsecured debts without a formal agreement, unlike a consumer proposal. Bankruptcy involves a personal bankruptcy filing, where you may lose assets. A consumer proposal is a safer alternative to avoid these severe consequences.

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 Lethbridge and Canada while avoiding bankruptcy.

Can a consumer proposal help you avoid bankruptcy in Lethbridge?

Yes, a consumer proposal in Lethbridge can help you avoid bankruptcy by reducing unsecured debts and interest rates. It allows manageable payments and legal protection, giving you peace of mind as you regain control over your finances and rebuild your credit rating.

Areas We Help: Lethbridge, Alberta

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