About Me
Hi, I’m Harman Buttar.
Managing Partner at BNA Debt Solutions
The heaviest part of debt isn’t the bills. It’s the silence at 2 AM when you can’t share your fear with the person lying next to you. I’ve been answering those calls for ten years. To me, you are not a file on my desk. You are a person with a family and real fears, and my role is simply to help you understand your options and figure out the rest together.
10+ years of experience in insolvency and debt solutions
Licensed Insolvency Trustee, CIRP, BA with legal authority to provide real debt relief solutions
Multilingual guidance available in Punjabi, Urdu, Hindi, and English
Experienced in complex files and tailored debt solutions
Focused on complex files involving business debt, legal coordination, and asset protection
More than debt relief
Your advocate for life-changing financial decisions
What I enjoy most about this work is knowing that we make a difference in someone’s life by helping them with one of the biggest decisions they’ll ever make.”
– Harman Buttar
I started this work ten years ago because I wanted to make a real difference in people’s lives. Since then, I have worked with individuals and families from all backgrounds. One thing I know for sure: debt does not define who you are. I am not here to judge how you got here. I am here to help you understand your options and move forward with clarity.
A big part of my role is making sure your first experience with BNA feels supportive and clear. I know how hard it can be to make that first call when you are stressed and unsure. That is why I start by listening. I want to understand your situation and help you feel comfortable enough to ask the questions that matter.
I am especially comfortable with complex situations, where the right answer is not always obvious. I look at the full picture and help you find the option that makes the most sense for your life. If something outside our services is the better fit, I will tell you honestly. The goal is not to push a process. It is to help you make a sound decision with confidence.
Outside of work, I enjoy time with my family, exploring new places, and unwinding with sports or golf. Those moments keep me grounded. They remind me how much peace of mind matters in everyday life. Seeing people regain that sense of control and relief is the most rewarding part of this work.
How do we help?
Debt relief options I help clients explore
Consumer Proposal
If you have a steady income but are struggling with debt, a Consumer Proposal lets you repay only a portion of what you owe. One fixed monthly payment, no interest, and no collection calls. For many people, a proposal means keeping their home and vehicle throughout the process.
Division I Proposal
Dealing with larger debts (over $250,000), business obligations, or a complex financial situation? A Division 1 Proposal may be the right solution. These cases require a more strategic approach. I work closely with you to build a plan that protects your financial stability and resolves your debt in a clear, legal way.
Personal Bankruptcy
I understand this word can carry a lot of fear and uncertainty. But in some situations, bankruptcy is the right legal tool and a faster path to meaningful relief. If that is the right fit for your circumstances, I will be right beside you, explaining everything as we go forward.
FREQUENTLY ASKED QUESTIONS
Questions people often ask before they reach out
Will I lose my house if I file for debt relief?
In many cases, no. Options like a Consumer Proposal are often designed to help you keep assets such as your home and vehicle while addressing your debt in a more manageable way.
Does this stop the phone calls from collection agencies?
Yes. Once the proper filing is in place, a stay of proceedings can stop collection calls and legal action from creditors.
How much does our first meeting cost?
Our first chat is completely free. We just want to hear your story, look at your situation, and see how we can help. There is no pressure and no bill for our initial consultation.
How long will the whole process take?
Our first meeting is about an hour. Once we decide on a path, things move quickly. In many cases, legal protection can begin within a short timeframe after filing.
Is my information kept private?
Absolutely. Everything we discuss is confidential. We provide a safe, private space (either in person or virtually) where you can be open about your concerns without any judgment.
Experience that matters
| What Happens | Harman & BNA (Trustees) | Other Debt Providers |
|---|---|---|
| Legal Power | Yes. We are Officers of the Court. | No. They do not have the same legal authority. |
| Judgment-Free | Always. I believe life happens to everyone. | Can often feel cold, clinical, or sales-focused. |
| Honest Advice | Yes. If I’m not the best fit, I’ll tell you who is. | May focus on their own services rather than a full range of options. |
| Complex Files | Expert. I specialize in custom-tailored, tricky cases. | Often use more standardized approaches. |
A clearer path forward can begin today
Taking that first step to ask for help is incredibly brave.
Reaching out for help is hard. It is even harder when money has become a source of stress, fear, or embarrassment. But you do not have to take that first step alone. There is no judgment here. My role is simply to make that first conversation a little easier.
We will carefully review your situation and talk through your options clearly. Everything is focused on what helps you move forward. When you are ready to talk, whether online or in person, I am here.
What our clients say
From first call to final release, nearly 30 years of trust
For over 27 years, BNA Debt Solutions has been a trusted ally to Albertans feeling the weight of financial stress. We’ve helped thousands find hope and relief from crushing debt, offering compassionate support and clear, trustworthy guidance at every step.
If you are in a position where you need to find a solution out of debt, reach out to BNA for more information. There is no commitment to find out what options are available. I was embarrassed and uncomfortable to share the details of my experience but Sammie immediately put me at ease. She is compassionate, knowledgeable, flexible and an amazing problem solver. She covered all options available to me at my convenience, she passed no judgment, and I felt no pressure to commit. Together we settled on an option that worked best for me. It is never a winning situation to be in a position where you need to dig yourself out of a hole you created but I can finally see a light at the end of the tunnel, thanks to the team at BNA.
You walk in anxious and heavy, that awful burning in the pit of your stomach that comes with debt; feelings of shame, uselessness, irresponsibility. But then you talk to a representative like Simmie, and the weight of the burden begins to melt away. She’s there for you, she talks you through many options, she answers each and every one of your questions with clarity and compassion. Not only does she want to help, she’s trained and licensed to do so. There is work involved for you in this collaborative process, papers and numbers and lists but in the end you are presented with a very feasible, simple plan that allows you to breathe, to engage with your life and your finances in a measured way. I cannot thank Simmie and BNS enough for their empathy, quick turnaround, and straightforward processes.
Unfortunately ran into a sticky financial situation and was referred to BNA Debt Solutions through a debt counselling service. Have had a few meetings and they were always very helpful, kind and understanding. They made my consumer proposal very easy to understand and walked me through it all to ensure I was comfortable with the documents before we took any action. If you’re stressing out about financials, there is help available and I wish I would have reached out earlier. BNA is a great option!
I’ve got myself in very ugly financial situation. It was so stressful that I thought my life is over. It had very big impact on my mental and physical health. When I found out about BNA and their business it was just thin hope that maybe I would find some help. My first appointment was with Simmie Pandher in the office of BNA. After I presented my situation and my worries, Simmie has shown an enthusiastic interest to understand , assist and help me. She sounds like an angel when she said to me that I came to right place where they will find right solution for me. She told me that all my worries ,sleepless night and other concerns will be over. Now because of professional dedication and knowledge of Simmie and Andy Wong and their all team I am back to life again. THANK YOU!
Bad things happen to good people, especially in times of economic and employment uncertainty.
From the very beginning, from my first phone call, BNA Solutions has treated me with respect, empathy and complete professionalism.
The staff were very thorough, knowledgeable and prompt with all my interactions. All options were explained to me and I felt there was hope rather than darkness and despair.
Have used BNA Debt Solutions twice. Once for credit card debt and another regarding a business failure. Both times very empathetic to my situation. I felt I had someone in my corner when it came to dealing with institutions that were aggressive and not empathetic to our situation. Would recommend them infact I have sent three other individuals that had financial challenges and they were grateful that I recommended such a strong team of advocates for their situations.
