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Professional debt relief in Canada

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Debt relief solutions catered to you

We understand that financial hardships can be stressful and daunting, especially if you are on the verge of bankruptcy. But you don’t have to go on this journey alone. At Harris & Partners Inc., we are here to support you with judgement-free debt relief solutions.

We take the time to learn about your specific situation and guide you through the process of debt reduction in Canada, paving the way for you to regain financial stability.

Professional debt help tailored to your circumstances

With over 50 years of experience, we can support you in a range of debt relief solutions that can help you manage, and eventually pay off, your debt.

Ready to lead a happier, stress- and debt-free life? Get in touch with our friendly Licensed Insolvency Trustees and get started with a debt relief program.

Our Debt Management Solutions

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Debt help in Canada - it's a simple process


We’ll sit down with you and take the time to thoroughly understand your unique financial situation. We will provide a non-judgmental, fully confidential environment where you can discuss your circumstances openly and honestly. To give you the best advice, we’ll need information on your income, debts and who you owe money to.


Once we’ve grasped the full extent of your challenges, we’ll start crafting a plan. This involves carefully examining every available debt solution option, with a commitment only to what you feel comfortable with. We will never pressure you into any decisions, and our services will be tailored to fit your specific needs.


Once you’re happy with the plan, we’ll put it into action. Your financial well-being is always our top priority, and you can trust us to provide unwavering support and reliable guidance every step of the way. Your peace of mind matters to us. 

5 steps to debt relief in Canada

Facing debt can feel endless if we don’t find ways to manage and curb it in our day-to-day lives. To help lighten your load, we suggest using these five steps in your path to debt reduction in Canada:

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Step 1. Create and stick to a budget

Creating and living within a budget is the first step in tackling your debt. Start by understanding your monthly outgoings and spot areas where you can cut back a bit. Try to save at least 10% of your monthly income. This can help you to:

  • Gradually lower your debts
  • Create a funds to offset your debts
  • Develop a safety net for life’s unexpected expenses
  • Form stepping stones towards investing in your future
Get started with a debt relief solution
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Step 2. Prioritize the debts with the highest interest rates

When you are juggling various debts with different interest rates, it’s key to strategise which one to tackle head-on first. It’s important you always cover at least the minimum payment on each debt, but any extra money should be directed at the debt with the highest interest rate, as this is the debt that will rise the most over time.

Speak with a specialist
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Step 3. Shift your debts from high to low interest rates

One way to speed up debt reduction in Canada is to use a line of credit, which often carries a lower interest rate than other debts. If you have one, consider using it to pay off high-interest credit card debt. Talk to your bank about increasing your credit limit, if necessary, to clear your credit card dues.


For property owners, look into refinancing your mortgage or securing a second mortgage to settle higher-interest debts. Essentially, these tactics consolidate your debts under a lower interest rate.

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Step 4. Increase your income

If feasible, seek opportunities to boost your monthly income. Even the smallest amount contributed towards your debt can make a big difference. Consider working overtime, or possibly taking a second job, as the added income can ease your debt repayment journey. Alternatively, housing a roommate or tenant could provide supplementary income, accelerating your debt reduction.

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Step 5. Set up a personal payment plan

Paying off debt, like achieving any goal, requires a clear plan. Establish specific objectives to minimise your debts. Credit counselling can offer a fresh perspective on your spending and help in realigning your habits with your new financial goals.


Create for yourself a payment calendar with due dates and expected payment amounts. You could even consider applying for overdraft protection, alongside automating bill payments through your bank or online platforms so that you don’t miss payments.

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Shahrad Nakhaie
Shahrad Nakhaie
They are so great, every thing was so easy for me. Unbelievable, All my debt are gone now and I feel like I'm free, thanks Osman Ali for all you did for me, at the first time it's even hard to believe that was real, but it's real and easy. Thank you bro for your help.
Osman is a professional and you cant find anybody better. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you osman and the rest of the team for helping me through my struggles.
Banda Gueye
Banda Gueye
Osman is a vert nice gentlemen, he was polite sweet and gentle. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you Osman and the rest of the team for helping me through my struggles.
Kim Brown
Kim Brown
So far this has been a great company, I have been with them over a year. Every time I have an issue Josh jumps right on it and helps me out. He never makes me feel like I'm being a pain in the butt 🙂 I definitely recommend them, I have referred two of my family members to get help and now Josh is helping them as well. I thank you Josh for all the hard work and responding so quickly to all my messages.⭐️⭐️⭐️⭐️⭐️
Ajanthan Murugananthan
Ajanthan Murugananthan
Staff members Samuel and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and line of credit and made it manageable. I would highly recommend Harris & Partners Inc. They have given me a new life in my financial life to success.
Paul Woo
Paul Woo
Staff members Yasan and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and made it manageable. I would highly recommend Harris & Partners Inc.

Our Licensed Insolvency Trustees - assisting Canadians with professional debt relief

Our Licensed Insolvency Trustees have years of experience in helping Canadians just like you find their way to financial independence. Take control of your debt today and give our friendly team a call.

  • Jay harris
    Jay T. Harris
    Licensed Insolvency Trustee
  • kyle
    Kyle Harris
    LL.B., CIRP, LIT
    Licensed Insolvency Trustee
  • adam
    Adam Fisher
    Licensed Insolvency Trustee
  • Joshua Harris
    Joshua Harris
    Licensed Insolvency Trustee
  • advisor
    David Adams
    Licensed Insolvency Trustee
  • doug
    Doug Loiselle
    Licensed Insolvency Trustee
  • Rob McLernon
    Robert McLernon
    BComm, CIRP, LIT
    Licensed Insolvency Trustee
  • shelley
    Shelley Koehli
    Licensed Insolvency Trustee
  • Jill Strueby
    Licensed Insolvency Trustee
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Support across Canada

Why Harris & Partners

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Remove up to 80% of your debt

Our Licensed Insolvency Trustees provide a customized service that could remove up to 80% of your debt and stress, so you can breathe easier.

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We speak your language

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.

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Debt support across nine provinces

Want to speak to someone in person? Our team is on hand to help at a Harris & Partners office near you.

Contact our Trustees for debt relief solutions in Canada

Bankruptcy, while a valid debt relief option, should typically be your final recourse. A Licensed Insolvency Trustee can expertly guide you towards the most effective path to debt freedom. Our experienced team at Harris & Partners Inc. stands ready to provide the relief you seek.

If you need expert assistance to solve your debt issues, don’t hesitate to reach out to us. We help everyday people like you across nine provinces and our federally Licensed Insolvency Trustees are committed to helping you secure lasting financial solutions.

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It's never too late to obtain debt help. Book your free consultation today

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Frequently asked questions

How do debt relief plans affect credit?

Debt relief plans can temporarily lower your credit score as they often involve negotiating lower payments or balances with your creditors, which may be reported as ‘settled’ rather than ‘paid in full’ on your credit report. However, in the long term, debt relief solutions can lead to improved credit health by assisting you in managing and eventually eliminating your debt.

Are Debt relief programs a good idea?

Debt relief programs can be a beneficial tool for individuals struggling to manage their debts. However, it’s important to consider the potential effects on your credit score and ensure the program fits your unique financial situation. Always conduct thorough research, or get in touch with our professionals to talk through your options.

Can debt relief help with payday loans?

Yes, debt relief programs can help manage payday loans, which carry high interest rates and predatory fees. These programs may consolidate your debts or negotiate with lenders to reduce the overall debt owed, making it more manageable to pay off.

Can debt relief help with student loans?

Yes, debt relief programs can help manage student loans. For example, consumer proposals may be an option. This allows you to group your student loan debt, along with other debts, into a more manageable monthly payment. The type of debt relief solution that suits you comes down to your individual circumstances – no two debts are the same. Student loans’ inclusion in debt relief have very specific restrictions, it is best to inquire with one of our professionals to learn more.

How to get debt relief?

To get started with your debt relief in Canada, contact our Licensed Insolvency Trustees as Harris & Partners Inc. They’ll assess your financial situation, help you understand your options, and guide you in selecting a debt relief option that suits your needs.

How to get debt relief with bad credit?

It’s no surprise that debt relief and bad credit tend to come hand in hand. However, there ARE options available for you if you have bad credit and require debt relief..

How to get debt relief with bad credit?

Bad credit? No credit? Our debt relief solutions don’t care. . Our programs don’t require a minimum credit score and instead focus on your overall debt situation. Contact our trusted Licensed Insolvency Trustees to talk through your debt relief options.

Where you can find our debt relief services in Canada

We offer our debt support services across nine provinces in Canada. No matter where you are, help is never far away at a Harris & Partners office near you.