Debt consolidation Langley

We can help you become debt-free. We offer solutions, advice and discretion.
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A man calculates his bill payments

Are you in Langley and wondering about debt consolidation?

If you have trouble keeping track of your bills and are wondering if debt consolidation will lower your debt load, we can help. We are an expert team of Licensed Insolvency Trustees that can explain debt consolidation and answer all your questions, for free.

Debt consolidation isn’t for everyone, and we can advise how it will affect your current situation. We can also point you to other solutions that might be better suited to help you get out of debt and reduce the amount you need to pay back.

The first consultation is completely free. Call us or come to our office in Langley.


Book a free consultation

Our Langley/British Columbia offices:

BDO Debt Solutions - Langley


19916 64 Avenue

Suite 220

Langley, British Columbia

V2Y 1A2


Phone: +1 604-588-4275   







Evening appointments available

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How can our team help you recover from debt?

A Licensed Insolvency Trustee’s role is to help you explore all the debt relief options available to you. Our team will fully assess your financial situation to understand your needs and goals for the future. We’ll then work to craft a personalized plan to help you become debt-free. 

If you’re behind on your bills and can’t catch up, it’s time to speak to a professional who can help you get back on track. 

Our team can lower your monthly payments by renegotiating your debts directly with your creditors through a consumer proposal. Our team will be there to walk you through each available option and show you what each means to you.

A woman makes the decision to call a Licensed Insolvency Trustee for debt relief

What exactly is a Licensed Insolvency Trustee?

A Licensed Insolvency Trustee helps people who need professional help recovering from debt. They’re regulated by the federal government of Canada and are ethically bound to act in your best interest.

For a full look at what Licensed Insolvency Trustees do and how they can help. Click here.

Learn more

How we've helped

Our clients say it best. Hear from people we've helped about their financial recovery journey and their experiences with BDO.

I would like to personally thank the BDO team for supporting me through a very stressful time in my life. There was no judgement and I felt very supported. What was a very scary time for me turned into a positive experience and they gave me the tools to move forward.


British Columbia

You're really good at your job and taught me valuable lessons, mainly to only use my credit card to build credit. You helped fix my life and my credit card debt, which caused a lot of stress, anxiety and depression.


British Columbia

I just wanted to thank you for everything you worked on for us both. We really do appreciate all your help. It feels great to be debt free again.


British Columbia

BDO guided me through a difficult time in my life, step by step, with all of the information I needed to make informed decisions about my financial situation. Bankruptcy is a stressful experience, but BDO provided the information I needed to get things back on track, answering all my questions along the way. I’m in a much better financial situation now and have learned new skills to better manage my money.


British Columbia

I want to take this opportunity to thank BDO for helping to pull me out of a desperate situation and bring me back into alignment with my financial matters. I have learned a lot from this experience and appreciate your compassion and support.


British Columbia

Don't sacrifice what really matters in life by letting debt take you prisoner. The call to BDO was the best call I ever made and it has added years to my life. Our trustee is a true professional and understands how to make this process as stress free as possible. Hindsight may be 20/20 but I truly wish I had called her a year before I finally did, so don't make the same mistake.


British Columbia


What is debt consolidation?
Debt consolidation involves combining multiple debts into one. You then only need to pay one bill each month. Debt consolidation can only be done with unsecured debts. An unsecured debt is one not backed by an asset, such as your house. Consolidating debts comes with a lower interest rate, which saves people money over time.

Types of debts that can be consolidated include credit card debt, personal loans, student loans, utility bills, and medical bills.

It’s important to note you often need to have good credit to qualify for a debt consolidation loan.
Debt consolidation also does not lower your debt load, only a consumer proposal and bankruptcy can reduce the amount you have to pay back.
What is a consumer proposal?
A consumer proposal is a legal process where a Licensed Insolvency Trustee negotiates on your behalf with your creditors to reduce your debt. The amount your debt can be reduced by can be as high as 80%.

Consumer proposals are an alternative to declaring bankruptcy and can be a good option for individuals who have a steady income but are struggling to keep up with their debt payments.
Do most consumer proposals get accepted?
The overwhelming majority of consumer proposals filed by BDO’s Licensed Insolvency Trustees are accepted. Our team handles the creation of the proposal and negotiates with your creditors on your behalf.

Before filing a proposal on your behalf though, our trustees take the time to speak to you and learn about your situation. The consumer proposal can be tailored to meet your needs. Once the proposal is accepted your debt level can be dramatically reduced by up to 80%, along with your minimum payments.
How much does a consumer proposal cost in B.C.?
The cost for a consumer proposal depends on an individual basis. A consumer proposal is tailored to your own situation so each one is unique. Factors including the level of debt, your income, and the length of time the consumer proposal will last all play a factor in the overall cost.

BDO’s Licensed Insolvency Trustees do not charge for the initial consultation where one of our Trustees will lay out your debt relief options and explain the pros, cons and cost of each for you. We believe in transparency to help you become debt free.
Can a consumer proposal stop legal action and debt collectors?
A consumer proposal issues what is known as a ‘stay of proceedings’ this stops legal actions currently being taken against you by your creditors. The same is true of debt collectors. Once the proposal is filed, debt collectors cannot call you or send you letters demanding money. It can also stop your wages from being garnished as well.
How are consumer proposals and bankruptcy different?
Consumer proposals and bankruptcy are each very different debt recovery programs. With a consumer proposal you are allowed to keep all of your assets as long as you make payments in full and on time each month. It also has a much less significant impact your credit score than bankruptcy.

With bankruptcy you must surrender your assets, although most people do keep their house when going through bankruptcy. It also has a more adverse effect on your credit score. The length of the two also differs. Many consumer proposals last for 5 years. A first-time bankruptcy can last as little as 9 months.
What is debt counselling?
Debt counselling involves having a Licensed Insolvency Trustee evaluate your financial situation and provide a plan to help you manage your debt. Our team does this at the first meeting with you. This consultation is entirely free of charge.
Can I keep my assets if I declare bankruptcy?
Declaring bankruptcy does not automatically mean you will lose everything. Many people keep the majority or even all of their assets after declaring bankruptcy. Our team can help guide you through the bankruptcy process and explain what it means for your situation.