Ready to take the first step?
It only takes a few minutes to take our quick quiz – once we have a better understanding of what you’re going through, we can find a debt relief solution that works.
It takes less than 3 minutes!
Remember, you have options
We know how stressful the pressure of debt can be, especially if bankruptcy feels like your only way out. The good news? You have options.
For over five decades, we’ve helped people just like you find their way out of debt in Canada. Whether it’s credit card, tax, medical, or another type of debt, our Licensed Insolvency Trustees are here to support you.
We’ll explain your rights, responsibilities, and, most importantly, your choices. Give us a call, and we’ll give you a plan to live debt-free.
Helping Canadians solve financial issues with integrity
We understand the overwhelming burden that bankruptcy can bring. But, with us at your side, you don’t have to face it alone.
For more than 50 years, our experts have been helping Canadians understand their rights, responsibilities, and opportunities when it comes to managing debt. Now, we are here to help you too.
Our compassionate Licensed Insolvency Trustees will investigate the best avenues available to you. Whether it’s providing guidance on bankruptcy, assisting with debt management, or exploring consumer proposals, our friendly teams will talk you through your debt relief options, getting you on your way to greater financial control.
Example Savings With Harris & Partners Debt Relief
Your Potential Debts:
Your monthly repayments over a 60-month period would be
Before Help
$1409
After Help
$210
Monthly payments are determined based on individual financial factors
How Much Could I Save?Browse Debt Review Options in Canada
As seen in
Why Harris & Partners
Our Licensed Insolvency Trustees provide a customized service that could remove up to 80% of your debt and stress, so you can breathe easier.
Our multilingual team provides support in many languages, from Farsi and Portuguese to Italian and Tamil, leaving out complicated jargon, so you understand everything, every step of the way.
Want to speak to someone in person? Our team is on hand to help at a Harris & Partners office near you.
Book your free debt consultation now
It's never too late to obtain debt help. Book your free consultation today
- Phone number
- 800-268-8093
- hello@harrispartners.ca
Contact form
Debt help - It’s a simple process
Tell us about your debt and the challenges you are facing. We are here to provide a listening ear, offering you a safe space to share your financial journey. To offer you the best solution, we need to know the full picture, this includes information on your income, debt, expenses and who you owe money to. Our consultations are confidential and free!
Once we fully understand your specific situation, we can start making a plan. We’ll explore your debt solution options, only committing to things you are comfortable with. This way, we can tailor our services to you for the best possible outcome.
After going through all the options available to you, we can put our plan into action together. Your financial well-being remains our top priority, and we will provide unwavering support and guidance throughout this process.
Who is Harris & Partners?
Consumer proposal FAQs
Got a question about consumer proposals? Here are some we get asked the most:
What is a consumer proposal in Canada?
A consumer proposal is a legally binding, government-regulated way to settle eligible unsecured debts for less than you owe in Canada. It’s filed and administered by a Licensed Insolvency Trustee (LIT) and is repaid through a fixed payment plan (up to 5 years)
How does a consumer proposal work?
A consumer proposal works by having a Licensed Insolvency Trustee review your finances, file an offer to your creditors, and set a fixed repayment plan you can afford. If the majority of creditors accept the proposal, it becomes legally binding on all unsecured creditors included, even those who voted against it.
Who qualifies for a consumer proposal in Canada?
You may qualify for a consumer proposal if you’re insolvent and owe between $1,000 and $250,000 in unsecured debt (debt that doesn’t have an asset tied to it, such as your car or house). A Licensed Insolvency Trustee confirms your eligibility and helps set a realistic payment amount based on what you can actually afford.
What debts can be included in a consumer proposal?
A consumer proposal can include unsecured debts like credit cards, payday loans, unsecured loans/lines of credit, and some tax debts. Secured debts (like a mortgage or car loan) aren’t usually included unless there’s an unsecured shortfall.
Does a consumer proposal stop interest?
Yes, a consumer proposal stops interest on the unsecured debts included once it’s filed. Your payments go toward the agreed settlement amount instead of ongoing interest and penalties on those included debts.