Learn how consumer proposals can help you manage debt, with free advice from our Licensed Insolvency Trustees on crafting effective proposals.
October 12th, 2023
Consumer Proposal Pros and Cons – Is it worth it?
Written by: Joshua Harris
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Filing taxes during a Consumer Proposal or bankruptcy: Complete 2026 guide
March 30th, 2026
Filing taxes while in a consumer proposal or bankruptcy can be a confusing and stressful experience. However, it is important to understand that you are still required to file your taxes, even if you...Written by: Joshua Harris
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Bankruptcy, sponsorship, and citizenship in Canada
January 5th, 2026
If you’re dealing with bankruptcy in Canada and worrying about how it could affect your immigration status, you’re not alone.Written by: Joshua Harris
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Consumer Proposal vs. informal debt settlement: Finding a way forward that actually fits
December 17th, 2025
If you’re here, chances are money has stopped being a background worry and started intruding on everything else. Sleep. Focus.Written by: Joshua Harris
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Harris & Partners Financial Resilience Index 2025: The Year Canadian Debt Stress Hit a Breaking Point
December 11th, 2025
If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...Written by: Joshua Harris
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Does the CRA Accept Consumer Proposals in Canada?
November 20th, 2025
Quick answer: Yes, the CRA accepts consumer proposals in Canada when your offer meets their standards for repayment, compliance, andWritten by: Joshua Harris
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What happens if you miss a consumer proposal payment?
November 20th, 2025
Missing a consumer proposal payment puts your plan at risk, and falling three payments behind triggers an automatic annulment underWritten by: Joshua Harris
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How much do consumer proposals cost in Canada?
November 20th, 2025
If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...Written by: Joshua Harris
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Bankruptcy or Consumer Proposal in Canada: Which is Right for You?
November 20th, 2025
If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...Written by: Joshua Harris
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How to qualify for a consumer proposal in Canada (The full guide)
November 20th, 2025
If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...Written by: Joshua Harris
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Christmas Spending Statistics 2025: Canadians brace for a budget-conscious holiday
November 10th, 2025
If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...Written by: Joshua Harris
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How to get out of gambling debt in Canada
October 14th, 2025
If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...Written by: Joshua Harris
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What to consider if you can’t pay back student loans
October 14th, 2025
If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...Written by: Joshua Harris
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Why 60% of Canadians feel worse off financially since 2020
October 7th, 2025
A new survey from Harris & Partners reveals that six in ten Canadians say they’re financially worse off today than they were in 2020. Even more concerning, nearly nine in ten report that everyday...Written by: Joshua Harris
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What is notice of collection CRA? Your complete guide
September 30th, 2025
A notice of collection from the CRA is a formal warning that your tax debt is overdue and the Canada Revenue Agency may take legal action—such as garnishing wages or freezing bank accounts—if you...Written by: Joshua Harris
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Why Canadian wages are failing to keep up with rising living costs
September 24th, 2025
Our latest survey has revealed a worrying reality for many Canadians: paycheques have barely budged in five years, while theWritten by: Joshua Harris
