About Me
Hi, I’m Heather Tilley.
Senior Administrator & Licensed Insolvency Trustee (LIT)
Once you’ve taken the first step, the process can still feel confusing. With 28 years of experience in insolvency administration and support, my role is to help you understand what’s required, answer your questions clearly, and guide you through each stage with confidence.
28+ Years of Experience in Insolvency and File Administration
CIRP & Licensed Insolvency Trustee (LIT)
Discharge and Compliance Support
Credit Rebuilding Guidance
Support with CRA and Asset-Related Questions
More than debt relief
Experience you can count on through the process
I started this work in 1994 in Vancouver. I was young, and I thought the job was about paperwork and rules. I was wrong. The job is about people.”
– Heather Tilley
I moved to Alberta in 2000. Over the years, I have sat in thousands of living rooms and offices. I have listened to teachers, truck drivers, parents, and retirees describe what they are facing. One thing this work has taught me is that good people go through hard times. A layoff happens. Someone gets sick. A marriage ends. These things are not failures. They are just life.
At BNA, my focus is simple: I help you reach the finish line. Debt relief can feel confusing when you are in the middle of it. There are dates to remember. Forms to sign. Duties to complete. It is easy to feel like you are doing it wrong. My role is to make sure you understand what is happening, what is required, and what comes next.
I track your file closely. I watch the timelines. When you call me, I pick up the phone. Clients often tell me that having someone available and responsive makes all the difference during this process. I explain things in plain language. I never want you to feel silly for asking a question. The best part of my day is hearing your voice when you realize it is over. When you get that fresh start. When the worry lifts. That joy is why I still do this after 28 years.
When I am not working, I like to keep life simple. I spend time with my family. I get outside to enjoy the Alberta sunshine. I like a quiet morning with a good cup of coffee and a book. Those small routines matter to me, and they remind me how important stability and peace of mind really are.
How do we help?
How I help you through the process
Over the years, I have learned that the right answer is not always the same for every person. That is why BNA’s team starts by looking at the full situation before explaining which legal options may fit.
Consumer Proposal
Getting a Consumer Proposal accepted is only the beginning. I help clients stay on track throughout the process by explaining ongoing duties, keeping timelines clear, and making sure the final steps are completed properly. When the process is done, I make sure you receive the documentation you need so you can move forward with confidence and clarity.
Division I Proposal
If your debt is over $250,000, these situations are often more complex. These cases need a very steady hand and a lot of attention to detail. I use my 28 years of experience to handle the heavy reporting and keep everything in line with the law so you can stay protected.
Personal Bankruptcy
Bankruptcy is not a failure. It is a legal tool. It is a reset button. I do not just file your case and walk away. I guide you through every single requirement. From the first form through to your final discharge. Until you are officially debt-free and ready to rebuild.
FREQUENTLY ASKED QUESTIONS
Questions people often have during the process
Is bankruptcy completely free?
No, there are costs to file, but we will always be honest about them. We explain all the fees clearly before you sign anything. You will never have to worry about hidden costs or surprise bills with us.
Will I have to do all this paperwork alone?
Not at all. I know how confusing these forms can look. I will walk you through every report and every document. If you get stuck, you can just call me. I am here to help you get it right.
What if I owe money to the CRA for taxes?
Please do not feel ashamed. Tax debt is common. In many cases, tax debt can be included in your plan. I will help you handle the CRA. I will respond to their letters so you do not have to face them alone.
How do I start rebuilding my credit?
We do not just fix the debt. We plan for what comes next. While we work together, I will give you simple steps to help your credit recover. I want you to leave BNA with a clear plan for your future.
Can I ask questions even after the process starts?
Yes. Please do. My clients tell me they are surprised when I actually answer the phone. Call me for a small worry or a big one. I am always happy to chat.
Why choosing a regulated professional matters
| Outcomes | Working with Heather at BNA | Unregulated Debt Consultants |
|---|---|---|
| Experience | 28 years of hands-on insolvency administration and client support | Often, limited experience or a sales-first approach. |
| Legal Authority | Federally regulated to legally protect you from creditors. | No legal power to stop creditors or wage garnishments. |
| The Goal | True financial recovery, credit rebuilding, and your well-being. | Fees for services that may not provide the same legal protection. |
| Communication | Direct, friendly access to my caring team and me. | Often routed to large, impersonal call centers. |
A clearer path forward can begin today
You have carried this long enough
Debt is exhausting. It steals your sleep. It takes up space in your mind when you should be present with your family. But you do not have to carry it alone anymore.
There is no shame in asking for help. There is no judgment here. If you feel overwhelmed or if you just want to understand your options in a safe place, I am here to listen. We can talk about how to get your life back on track. Together.
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.
