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Federally Regulated
Licensed by the Office of the Superintendent of Bankruptcy Canada
+25
Years of Experience
Why it matters that we are Licensed Insolvency Trustees
In Canada, only a Licensed Insolvency Trustee is legally authorized to file a Consumer Proposal or administer a Bankruptcy. Because LITs are federally regulated under the Bankruptcy and Insolvency Act, they can explain formal legal options that may provide protection from eligible creditor actions.
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OUR SERVICES
Diverse solutions tailored to your every need
With debt counselling, you can once again achieve clarity on your financial situation with personalized strategies to manage and reduce debt to avoid potential future financial stress.
This is a legally binding agreement to reduce your debt while avoiding bankruptcy, where you can keep your assets, manage monthly payments, and avoid the stigma associated with bankruptcy.
If you are feeling overwhelmed by debt bankruptcy can provide the fresh start you need. At SCB Debt Solutions, we can help by guiding you through every step, protect you from creditors, and help you understand your financial rights and options.
ABOUT
Smith Cageorge Bailey Inc. is an Alberta-based insolvency firm committed to helping individuals and self-employed business owners overcome financial challenges with compassion and professionalism. Founded on the principles of clarity, support, and empowerment, our mission is to provide tailored debt solutions for you that prioritize your well-being and financial future.
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Licensed Insolvency Trustee since 1997
For more than 25 years, Senga Bailey has helped individuals, families, and self-employed Albertans find their way out of debt. She earned her trustee's licence in 1997, became a member of the Canadian Association of Insolvency and Restructuring Professionals, and founded Smith Cageorge Bailey Inc. in 1998.
"Every person deserves a clear path forward, and the reassurance that they are not alone in their journey."
When you call SCB Debt Solutions, Senga and her team take the time to truly understand your circumstances before recommending anything. That personal, one-on-one attention is the heart of how she works.
How It Works
What to expect on your first call
Reaching out is the hardest part. Here is exactly what happens once you do.
1.
A free, confidential conversation
You tell us what is going on. No forms to fill out first, no judgment, no obligation. We simply listen and understand your situation.
2.
We explain your real options
We walk you through every path that fits your circumstances in plain language, so you understand the trade-offs and can make an informed choice.
3.
We support you through the process
Once you choose a direction, we guide the legal process and support you at each step toward financial stability.
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Great Service and Very Professional - Smith Cageorge Bailey Inc. was very helpful and easy to work with. Their team, especially for Cathy Bowden, was professional, respectful, and always answered my questions. I felt supported every step of the way.
I'm really happy with their service and would definitely recommend them to others looking for a team they can trust.
These people are amazing! They helped me over a 5-year period get my finances in order and my credit back up. Thank you so much! Wouldn't have been able to do it without you.
Senga Cathy and staff, are absolutely amazing. Any Issues and there were a lot were handled with exceptional grace and understanding.
Anyone dealing in Bankruptcy can find all the help they need and the staff here make it as easy as possible in an embarrassing and often disheartening and stress full situation.
Senga hasn't changed and provides the best experience, we have worked togther before...
I am very much happy with their service, they always respond to every questions and I learned a lot with their financial advice. They're friendly and approachable. I highly recommend this company.
The team was very knowledgeable helpful friendly. Always answered any questions I had. And I am going to continue using my income and expenses form to keep track of my funds
Highly recommend their services
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Supporting Albertans across the province
Headquartered in Calgary, we regularly help people facing creditor pressure, tax arrears, wage garnishment, and other debt challenges from communities all over Alberta.
Calgary
Edmonton
Red Deer
Airdrie
Chestermere
Lethbridge
Okotoks
Medicine Hat
Fort McMurray
Our latest blogs
Have Questions? We’re Here to Answer
What is a Licensed Insolvency Trustee?
A Licensed Insolvency Trustee (LIT) is a federally regulated professional, licensed by the Office of the Superintendent of Bankruptcy. An LIT is the only person in Canada legally authorized to file a Consumer Proposal or administer a Bankruptcy. That regulation is what gives you genuine legal protection.
How is a Consumer Proposal different from Bankruptcy?
A Consumer Proposal may allow you to repay a portion of eligible unsecured debt over time while avoiding bankruptcy. In many cases, people are able to keep assets, but what applies depends on the full situation. Bankruptcy is a separate legal process that can clear most unsecured debt and give you a fresh start. We will help you understand which one fits your situation best, with no pressure either way.
Do you serve clients outside Calgary?
Yes. While our office is in downtown Calgary, we help clients right across Alberta, including Edmonton, Red Deer, Lethbridge, Airdrie, Okotoks, Chestermere, Medicine Hat, and Fort McMurray. Wherever you are in the province, we help you find the best debt relief options through online and onsite appointments.
How do I get started, and what does the first consultation cost?
Your first consultation with SCB Debt Solutions is completely free and fully confidential. You can call us at 403-261-7779 or use our online form to book a time that works for you. There is no obligation, just clear answers from a Licensed Insolvency Trustee.
How will this affect my credit score?
A consumer proposal or bankruptcy will affect your credit report for a period of time. During your consultation, we explain what that impact may look like and how rebuilding can begin after the process is underway or completed.
What should I expect when I meet with a Licensed Insolvency Trustee to discuss filing a Consumer Proposal?
Your first meeting is a confidential conversation, not an interrogation. We start by simply listening. You share what is going on with your finances, including the debts you are carrying, who your creditors are, your monthly income, and what assets you have.
From there, we review your full financial picture together and explain whether a Consumer Proposal is the right fit for your situation. If it is, we walk you through what a realistic monthly payment could look like, how long the proposal would run, and what happens to your assets and creditor calls once it is filed.