Skip to content
  • 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
  • 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

No Pressure, No Judgment—Just Honest Debt Solutions That Work.

Debt Relief Solutions for a Fresh Start

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 Services in Medicine Hat, AB, Canada

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.

Every Day You Wait, Debt Grows—Here’s Why Acting Now Changes Everything

A consumer proposal provides more positive benefits than you think and will turn common misconceptions into a feeling of relief.

Regain Financial Control

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.

Enjoy Immediate Peace Of Mind

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.

Start Rebuilding Credit

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.

Secure Your Assets

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.

See How Much Debt You Can Erase—Start Your Free Consultation

Over 27 Years of Helping Albertans Achieve Financial Freedom with Trust, Honesty, and Transparency.

I've recently gone through the process of filing with BNA, and it was as simple as it gets! Working with Simmie was great! She was very clear on what we were doing, what was required & how things would proceed after signing. If you are thinking of going through a consumer proposal/bankruptcy, I'd recommend dealing with their team any day of the week.

Erik Timmer

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 Designation

It seems that everyone is overcharging you like banks, groceries, clothing, houses and construction materials. As a result of these overcharges, digital currency, and artificial money with no real gold background, everyone is affected and stuck in loans/debt/interest etc. In my opinion, a consumer proposal is the best choice to pay off their debt at a reasonable settlement price without any extra interest. BNA Debt Solution has a professional and trustworthy team in Alberta.

Dave Larry Designation

Facing financial challenges can feel disheartening, a sign of our 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 is done promptly and thoroughly - a steady influence in our time of need. BNA is worthy of its great reputation - I highly recommend it to guide you through your consumer proposal.

Paul Nahirney Designation

I am in debt proposal, paying off my debt at a reduced amount. I thought for sure my only option was bankruptcy. BNA negotiated with my creditors for a reasonable amount for me to pay back, in manageable monthly payments. The staff are very courteous and helpful. Barry, the owner is awesome and very helpful.

Jonathan Potter Designation
Let’s Explore Your Path to Freedom

Free & Confidential Consultation

No Pressure, Just Solutions—See What a Consumer Proposal Can Do for You

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.

Let’s Go Over How the Consumer Proposal Process Works – Step by Step

Say Goodbye to Debt Stress – Free Consultation

Our experts can help you explore a consumer proposal and other debt solutions. No pressure, just a plan that works for you.

Talk to a Debt Expert Now

Curious How a Consumer Proposal Could Help You Eliminate Your Debt?

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

Debt relief starts here. Get your free consultation now!

Debt Relief Solutions Explained: Find the Right Debt Relief Option for You

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.

Why You Should Think Twice Before Choosing Bankruptcy for Debt Relief

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.

You're Not Alone – We're Here to Help.

Discover debt solutions tailored to your needs and take the first step toward relief.

Schedule a free consultation.

How BNA's Licensed Insolvency Trustees Empower You to Take Control of Your Debt

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:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

We've Helped Thousands in Medicine Hat—Here's How We Can Help You Too

Trust and Experience You Can Count On

For over 27 years, we've helped Medicine Hat residents overcome their debt problems, providing reliable debt relief solutions for communities across the city.

Debt Solutions Designed Just for You

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.

 

Straightforward Advice, No Hidden Surprises

You'll always receive clear, honest guidance—no gimmicks, just real solutions to help you confidently tackle your debt.

Turning Debt Challenges into Success Stories

We've helped countless people overcome financial hardship by stopping creditor calls, protecting their assets, and finding a clear path to economic stability.

Focused on Solutions, Not Sales

Our only goal is to find the best debt relief solution for you—no upselling, just focused support to guide you through.

Built on Trust, Transparency, and Results

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.

The Advantages of Choosing a Consumer Proposal for Debt Relief in Medicine Hat, Alberta

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.

Say Goodbye to Debt Stress – Free Consultation

Our experts can help you explore a consumer proposal and other debt solutions. No pressure, just a plan that works for you.

Phone: (587) 906-0583

Email: info@bnadebtsolutions.ca

Award-Winning Service, We Prioritize Your Peace of Mind

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.

Ready to Get Your Finances Back on Track?

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.

Talk to a Debt Expert Now

Worried About Debt? Here Are the Answers You Need (FAQs)

What is a consolidation loan?

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.

How can I 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.

What is the best debt relief option?

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.

Can credit counsellors help with financial troubles?

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.

Why should I choose your Medicine Hat office?

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.

Areas We Help: Medicine Hat

bnasol-aligned-white.png

Put Debt Behind You. 
Start Over Today.

Talk to a Debt Advisor

DEBT SOLUTIONS

Consumer Proposal

Personal Bankruptcy

Debt Repayment Planning in Alberta

Debt Repayment Calculator

RESOURCES

Knowledge Base

Financial Blog

White Papers & Success Stories

Personal Information Forms

Debt Breakdown Podcast

FOLLOW US

COMMUNITIES WE SERVE

Alberta

  • Airdrie
  • Brooks
  • Calgary
  • Edmonton
  • Fort McMurray
  • Fort Saskatchewan
  • Grande Prairie
  • Leduc
  • Lethbridge
  • Medicine Hat
  • Red Deer
  • Spruce Grove
  • St. Albert

CONTACT US

CALGARY

  • 150 – 703 64th Ave SE
  • Calgary, AB T2H 2C3
  • Business Hours: Monday – Friday,
  • 8:00 AM – 5:00 PM
  • Phone: (587) 603-5645
  • Fax: (403) 232-6262

EDMONTON

  • *By Appointment Only*
  • #200, 6005 Gateway Boulevard
  • Edmonton, AB T6H 2H3
  • Business Hours: Monday – Friday,
  • 8:00 AM – 5:00 PM
  • Phone: (403) 232-6220
  • Fax: (403) 232-6262
Three-Best-Rated-Digital-Badge.png
SouthernAlberta_2019_5Years.png
Top-Ranked-Rated-Viral-Logo.png
BBB-Logo.png
CAIRP_ENG_Horz_Logo_RGB-1536x453-cropped2.png
ThreeBestRated.png
Talk to a Debt Advisor
CAIRP_ENG_Horz_Logo_RGB-1536x453-cropped2.png

Privacy Policy

© All rights reserved. BNA 2021