债务减免服务

获得免费的债务偿还计划

安全、可靠且保密

加拿大债务减免的五个步骤

面对债务时，如果我们不在日常生活中寻找管理和控制它的方法，可能会感觉永无止境。为了减轻您的负担，我们建议您在加拿大的债务减少之路上采取以下五个步骤：

步骤1. 制定并坚持预算

制定并生活在预算之内是解决债务的第一步。首先了解您的每月支出，并找出可以削减的领域。尝试至少将您每月收入的10%存起来。这可以帮助您：

创建用于抵消债务的资金
为生活中的意外支出建立安全网
向投资未来迈出一步
开始债务减免解决方案

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步骤2. 优先还清利率最高的债务

当您在处理不同利率的多笔债务时，策略性地选择首先解决哪个债务至关重要。您至少应支付每笔债务的最低还款额，但任何额外的资金应优先用于利率最高的债务，因为这是长期增长最多的债务。

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步骤3. 将债务从高利率转移到低利率

加速减少加拿大债务的一种方法是使用信用额度，这通常比其他债务的利率低。如果您有信用额度，可以考虑用它来偿还高利率的信用卡债务。如有必要，与银行沟通增加信用额度以清还信用卡债务。
对于房产所有者，可以考虑重新融资您的抵押贷款或获取第二抵押来偿还高利息债务。本质上，这些策略是在更低的利率下整合您的债务。

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步骤4. 增加您的收入

如果可行，寻找机会增加您的每月收入。即使是最小的金额，也可以在偿还债务方面产生重大影响。考虑加班工作，或者可能找一份第二份工作，因为额外的收入可以减轻您偿还债务的压力。或者，容纳一个室友或租客可能提供额外收入，加速您的债务减少。

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步骤5. 制定个人还款计划

像实现任何目标一样，偿还债务需要一个清晰的计划。制定具体目标以减少您的债务。信用咨询可以为您的消费提供新视角，并帮助您将习惯与新的财务目标重新对齐。
为自己制定一个带有到期日和预期还款金额的还款日历。您甚至可以考虑申请透支保护，并通过银行或在线平台自动化账单支付，以免错过还款。

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 10 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Harris & Partners Consumer Proposal process.
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 Trustindex verifies that the original source of the review is Google. Good service overall! Everything went smoothly, but I have to deduct one star. For a company that claims to be professional, they didn't bother to correct my name. They listed my middle name as my last name, and when I spoke to Samuel via Google Meet, he promised to fix it. However, the new document I was asked to sign still had the same mistake, which they failed to correct. It was a simple fix they ignored. I also messaged Ali, but nothing was changed. Not a great impression.
  
 
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 7 October 2026
 
 
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 Trustindex verifies that the original source of the review is Google. great service. very understanding and accomodating people to deal with in the unfortunate event of insurmountable debt
  
 
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 14 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Every star earned!  The staff at Harris and Partners have given me peace of mind by helping me become debt free and giving me hope.  Every person I have had interactions with has been professional,  helpful and kind. There has been no judgement. I really appreciate this team, a special thank you to Deandre and Samuel.
  
 
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 11 September 2026
 
 
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