At BDO Debt Solutions in Medicine Hat, our team of debt experts, including Licensed Insolvency Trustees and debt counsellors, are ready to provide advice and support for credit counselling, budgeting, debt consolidation, debt management, debt settlement, consumer proposals and bankruptcy.
Our clients say it best. Hear from people we've helped about their financial recovery journey and their experiences with BDO.
I have learned a lot about expenses. What I truly need and wanted and how I used my income was an eye opener to the unhealthy ways I was using money leading to my bankruptcy. When I needed guidance and clarity the staff was always there and very prompt in getting back to me. I was cared for and respected in the recovery of my financial state. Thank you for your time and help during that difficult time.
I can't believe it's been five years that our financial relationship was established to consolidate my debt. Upon meeting you for the first time, your warm smile and professionalism made me feel extremely comfortable, and I knew I was in good hands. Finances can be so emotional, and at times embarrassing, and I want to thank you for making this more personal for me, as to not feel that way. I would not hesitate in referring you and I want to thank you for going the extra mile for me. It meant so much!
The work on my file was performed admirably by my Administrator. Any issue was handled with efficiency and expediency, consequently I was grateful that whenever any issue arose I had no worries. However, I remain most grateful for the respectful communication. I had the unfortunate experience of being treated negatively by several agencies due to my status of undergoing bankruptcy. This is harmful and damaging to someone already undergoing great distress and loss. And so, for me the respect that every person is rightfully due was gratefully and noticeably appreciated.
After completing post secondary school I had high amounts of student debt and consumer debts that required high monthly payments. After having children the added costs of childcare and children’s needs resulted in my budget becoming overextended. Financial stress became too high of a burden so I made the tough decision to seek debt solutions. BDO staff were supportive throughout the process and provided step by step practical guidance along the way. At first I was very hesitant but in time I realized that not only was this the right solution, but that it would have been better if I had sought debt solutions three to five years earlier to prevent long term experiences of financial strain. Debt solutions really are just that “solutions” and the BDO team are experts in this area and are eager to roll out a workable plan to get you out of debt.
I would like to my Licensed Insolvency Trustee and the BDO team for supporting me when I was at my lowest. When I thought I had no hope, your team showed me possibilities, giving me hope. Overwhelming debt can place anyone in deepest despair. It's like drowning, but BDO services throws you a lifeline. I will forever be grateful for that lifeline! Thank you all again.
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.
Debt can be overwhelming. We’re here to make sure you’re not alone on your journey to financial wellness. Our debt experts are ready to listen to your story and make sure you understand all the options available to you. If you decide a consumer proposal or bankruptcy is the right debt solution for you, they’ll guide you through the debt relief process, from start to finish.
“ One money lesson I wish everyone knew: emergency fund, emergency fund, emergency fund. Even if it is a few hundred dollars, you never know what life is going to throw at you.
Licensed Insolvency Trusteeemail[email protected] Read Bio
Licensed Insolvency Trusteeemail[email protected]
Nicole has been advising individuals on insolvency solutions since 2010. She has been in the consumer insolvency industry since 2016 and prior to that spent six years in the non-profit credit counselling industry. Nicole is committed to helping people resolve their financial difficulties through creative and practical solutions. With a background in education, Nicole provides clients with a holistic view and creative solutions for their debt issues while educating them on personal finance to help them succeed at rebuilding their finances.
Nicole understands that struggling with debt can take an emotional toll on a person, which is why she ensures that each client is treated with compassion, respect and grace while navigating their solutions. It is important to Nicole that each client feels like they have been heard in a non-judgemental environment.
Nicole is actively involved in financial coaching and poverty reduction in the Greater Calgary area. She has been the Financial Coaching Course creator and Facilitator for Bow Valley College and Carya since 2017.
Nicole spends her volunteer time as Board Chair for Sunrise Community Link and Bow West Community Resource Centre. In her spare time, Nicole can be found hiking in Banff with her furry sidekick Aldo.