$1 926 281 148

DEBT RELIEVED

5591

CONSUMER PROPOSALS APPROVED

5868

BANKRUPTCIES FILED

$99 834

HOUSEHOLD DEBT

– British Columbia Statistics for 2015 –

Personal Debt Freedom

Discover how 1000’s of BC residents are being put on the path of financial independence.

Corporate Restructuring

Is your business facing financial, market or strategic challenges?  Let us help ease the strain.

Office Locations

Looking for advice is easy, connect with us at our 3 Fraser Valley Offices, Chilliwack, Abbotsford and Hope.

Our Team

Active members of the Fraser Valley and Chilliwack, Sheila and her team are here to help.

IMPORTANT FACT

36% Working Families in BC are feeling overwhelmed by their level of debt

But you don’t have to face it alone. You bankruptcy trustee is you ally. He or she will guide you to the very best solution when it comes to financial problems, difficulty paying off debt or concerns about your creditors.

WE BELIEVE

“Every mountain top is within reach if you just keep climbing.”

Will it be easy ? No. Will it be worth it ? Absolutely !

— RICHARD JAMES MOLLOY

What Our Clients Say

  • Sandra & Family
    BEST thing we did for our family, our marriage, and our financial health
        
    Thank you so much Sheila, for everything you’ve done for our family, and our peace of mind – we won’t hesitate to recommend your services to anyone facing Bankruptcy, or requiring a Consumer Proposal; you gave us back our life, and we are so grateful. Bankruptcy, a connotation that maintains a pervasive, frightening perception. Our BUSINESS FAILED and our personal finances went down with the ship; we knew something drastic needed to be done, but were afraid of the unknown. Out of sheer desperation we contacted Sheila’s office and made an appointment; the call turned out to be the BEST thing we did for our family, our marriage, and our financial health. During our first meeting, Sheila put our worst fears to rest, and she did it in a calm, non-judgmental way. We realized we were in the hands of a competent, compassionate, professional who really does have your interests at heart. Sheila walked/hand-held/spoon-fed us through the process – we knew what to expect, and when to expect it. Our only regret is; we did not contact her sooner!
  • Anonymous
    Understanding Situation
        
    I was very nervous the first time I met Sheila. But after I started working with her in my bankruptcy it became a lot easier and I wasn't so nervous from then on. She explained everything to me in detail in every step of my bankruptcy as we went thru it. Now that my bankruptcy is over and done ... I'm very happy and in control of my finances. I would tell anyone who needs help with their finances to go see Sheila.
  • Brian
    Rated Bankruptcy Services 5 out of 5
        
    Bankruptcy is a scary and overwhelming experience, not to mention the perceived stigma and feeling of failure one goes through during the process. Having someone explain that it's not the end of the world, but rather an unfortunate experience which has an end, is very comforting and reassuring. I feel that I received personalized service from someone who actually cared about my situation, and was concerned that the future should be well planned. I would encourage anyone who is going through financial hardship to see Sheila.  For a friendly and non intimidating consultation. And by the way, sooner is better than later.... The sooner you start, the better you will feel.
  • Leanne
    Working to Pay Credit Cards
        
    Thanks to Sheila I have my life back!!!! I am no longer working to pay credit cards that were maxed due to a failed relationship. I had no hope of ever getting out of debt. As soon as I filed...the calls stopped. I have now been discharged from bankruptcy and am enjoying the stress free financial lifestyle. Sheila also taught me how to manage my income and live within my needs. Thank you sooo much Sheila...you made the whole process so easy for me 🙂
  • Anonymous
    After Bankruptcy, I had Control of my Finances
        
    I was very nervous the first time I met Sheila. But after I started working with her in my bankruptcy it became a lot easier and I wasn't so nervous from then on. She explained everything to me in detail in every step of my bankruptcy as we went thru it. Now that my bankruptcy is over and done ... I'm very happy and in control of my finances. I would tell anyone who needs help with their finances to go see Sheila.
  • Garth
    Nervous, Don' t Worry
        
    I would like to say dealing with my bankruptcy was a lot easier than I thought it would be by using Sheila. To say I was nervous was a understatement but after my first meeting with Sheila I felt at ease and the whole process was easy and went by a lot quicker than I ever thought. Thanks Sheila and I will recommend you to any person who is looking for your services
  • Janet
    Recommend Sheila Smelt & Associates
        
    Although this was probably the hardest thing that I have had to do in my lifetime so far, I was very stressed and feeling embarrassed, I found that I was treated with dignity and compassion by Sheila Smelt & Associates. While going through this rough time, I was given a fresh start and the tools I needed to improve my financial situation in the future. I would encourage anyone in the similar financial hardship and mounting debt situation to set up an appointment with Sheila Smelt & Associates as soon as possible and get back on track!!
  • Judi W.
    A great hand up !
        
    Once I spoke to Sheila at once I knew I had come to the right place. Sheila was firmly helpful, explaining what I was to do, the up coming meetings, the counseling meetings, but at the same time she was very understanding of my situation. No judgments from this lady. Sheila understood my situation, she assisted with the forms, and if I was late in handing in a form, she called or sent me an email reminder. During the meetings she listened to my concerns no only financial, but with my life in general and how it was going. For myself she was just the person I needed to speak with, I have downloaded her information forms to assist myself, even now and its been almost 2 years. The forms are free on line to assist people with planning their budgets or someone self employed. I have recommended people to go see Sheila, and will continue to so. Thanks for a great hand up.

LATEST BLOG POSTS

REQUEST A FREE CONSULTATION

Fill out the form below to recieve a free and confidential intial consultation.

Your Location (required)
Reason for contact (required)
Acceptance and Consent, We respect and comply with the Government of Canada's Anti-spam legislation. In order to assist you finding the best debt reduction solution and to comply with the legislation by clicking Accept and SEND you provide Sheila Smelt & Associates the express consent to contact you directly.