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Helping Canadians to be debt-free
Are money troubles keeping you up at night? We’ll use our decades of experience to get you back to a debt-free life. Call our Licenced Insolvency Trustees today to get started.
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!
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.
Alan - Consumer Proposal
Ontario
Alan*, a sole-income family man in his mid-40s, was quietly struggling with debt accumulated over a decade of raising his kids. A consumer proposal gave him a clear, affordable path forward.
Sandra - Consumer Proposal
Ontario
Separated, raising a toddler alone, and dealing with nine creditors chasing her, Sandra found a way forward through a consumer proposal that cut her $38,000 debt to $12,000.
Ronald - Consumer Proposal
Manitoba
Ronald* had accumulated $68,000 in credit card and line of credit debt. After being declined for both a consolidation loan and a second mortgage, he turned to a consumer proposal, reducing his debt to $54,900 while keeping all of his home equity and protecting his investments.
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.
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?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.
It's never too late to obtain debt help. Book your free consultation today
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.
Got a question about consumer proposals? Here are some we get asked the most:
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)
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.
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.
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.
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.
