Licensed Insolvency Trustees Who Speak Your Language

Types of Debt Help in Ontario

Debt is an amount of money you borrow from another party. It is often used to make large purchases you would otherwise be unable to afford. Purchasing a new car using a loan or buying a brand new oven using a credit card accrues debt.

There is no problem with having debt, as long as you can pay the money back by the date agreed upon by you and the party you borrowed from. If you miss payments to your creditors, financial consequences follow which can ruin your credit and lead to other problems.

If you have personal or corporate debt you are unable to pay off, you need debt help. Kitchener and Hamilton residents and corporations rely on the Licensed Insolvency Trustees (previously known as Trustees in Bankruptcy) at Harris & Partners Inc. for debt help and counselling.


If your debt has you feeling worried and overwhelmed, get help. The Licensed Insolvency Trustees at Harris & Partners Inc. are here to provide you with the means to get yourself out of debt. By visiting us for a consultation, we’ll provide debt counselling to help you choose the best debt solution option to meet your needs. With offices in Kitchener, Markham and more, our team is available to provide a wide range of debt help, including:

  • Personal bankruptcy – If you are an adult owing at least $1,000.00 and cannot pay off your debt, you can file for bankruptcy. In this process, you can get a fresh start by assigning your assets to a Licensed Insolvency Trustee to eliminate your debts.
  • Corporate bankruptcy – An option of last resort, corporate bankruptcy can be initiated by a debtor or creditor. Your corporation’s assets will be assigned for the general benefit of your creditors.
  • Consumer proposal – An alternative to bankruptcy, a consumer proposal is an offer made by you to your creditors requesting lower payments over a longer period of time, which can make paying your debts easier.
  • Corporate proposal – Becoming insolvent means you are unable to pay your corporate debts. To avoid serious legal problems, there are formal and informal arrangements you can make with your creditors to pay off your debt on a new schedule.
  • Debt consolidation – By combining all of your debts into one new loan with one monthly payment, debt consolidation can make managing your debt much easier.

There are many debt solutions available to you, especially when you get the help of a Licensed Insolvency Trustee. Don’t suffer through debt alone; instead, contact one of our 11 offices for debt help in Kitchener, Hamilton and the surrounding areas.


By contacting the Licensed Insolvency Trustees at Harris & Partners Inc. for debt counselling in Hamilton, Kitchener or any of our other locations, you will learn your rights in regards to your debt and get the help you need to get out of debt. Our initial consultation is free, so there is no risk to you.

The team at Harris & Partners Inc. can help you rebuild your credit. Simply contact us to schedule a consultation and get the process started.

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