About SCB Solutions

Our Story

Senga began her Career as an LIT working for a large corporation, dealing with both corporate and personal insolvencies.

It wasn’t long before she began to realize that, not only did she want to focus on personal insolvency but that the typical corporate “cookie cutter approach” to personal insolvency wasn’t the best answer to helping individuals find their personal debt solutions. Senga knew that there was a better, more personal way to guide people through the often-stressful process of dealing with debt.

Today the focus at SCB is solely on personal insolvency, with an understanding that each person’s situation is different, and each person deserves individual care and attention.  

Our Team

Senga Bailey CIRP, LIT


Senga has extensive personal and corporate insolvency experience and has advised countless individuals and professionals on restructuring their personal or business debt load during her 20 years of practice in Alberta. A former senior manager with Arthur Anderson in Calgary for nine years, Senga earned her trustee’s license and became a member of the Canadian Association of Insolvency and Restructuring Professionals and a Licensed Insolvency Trustee in 1997. She joined Smith Cageorge Bailey Inc. in 1998. Today Senga is using her years of experience to focus on Personal Insolvency, helping individuals navigate the insolvency process with dignity, respect, and an understanding that each situation is different. At SCB Solutions, Senga provides personal one-on-one service, taking the time to understand each individual’s needs and finding the right solution for them.

Kandice Martinez

Office Manager

Kandice joined Smith Cageorge Bailey Inc. in 2013, bringing with her over 15 years of office administration and customer service experience. In 2018 Kandice successfully completed the Insolvency Counsellor’s Qualification Course becoming a certified BIA Insolvency Counsellor. In addition to managing the day-to-day operations at Smith Cageorge Bailey Inc., and providing BIA Insolvency counselling, Kandice is often the first point of contact for individuals struggling with debt and strives to ensure that each person is treated with compassion and understanding at all stages of the insolvency process.

Jarret Haberl

Financial Controller

Jarret joined Smith Cageorge Bailey Inc. in 2009 as the financial controller. Jarret is responsible for the delivery of finance services such as accounting, reporting, budgeting, and insurance management, in accordance with legislative requirements and organizational policies and strategies. Jarret has over 25 years’ experience in providing professional services across a broad range of finance areas including compliance, business process, audit, and financial reporting. Prior to Joining Smith Cageorge Bailey Inc., Jarret held senior management rolls in various service industries. Today, Jarret works closely with the team at SCB Solutions Inc. to assist them and their clients in reaching their goals.

From people like you…

Working with SCB has been amazing. The process is easy to understand and helped me get back to my life without money stress. With their program I didn't feel embarrassed about taking back control of my finances. The staff are always there when I need help or advice, and the financial tools have help me build a better future for me and my family.

– Leah B.