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Debt relief and credit counselling in Canada

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Expert credit counselling for a stress-free financial future

Credit issues can be confusing and stressful. But the good news is that you don’t have to figure it out by yourself. At Harris & Partners, we’re here to make things clearer.

Credit counselling helps you understand and manage your debt better – we’ll chat about your money, see where the problems are, and find a way to make things easier for you. With us at your side, you’ve got the helping hand you need to find financial independence with dignity.

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Credit counselling - it’s a simple process


Let’s have a sit-down and get to know what you’re dealing with. We’re here to listen without judgment and provide a safe space for open conversation. To offer the best help, we’ll need to know about your income, what you owe, and who your creditors are. Don’t worry, our chats are always free and confidential.


After we fully understand your financial situation, we’ll start putting together a plan that’s right for you. We’ll look at all the ways to manage your debt, but we’ll only go ahead with what you’re comfortable with. We’re here to guide you, not push you into anything. Our goal is to customize our services to fit your specific needs – with Harris & Partners, you’ll always get the help you need.


Once you’re happy with the plan, we’ll make it happen. Your financial health is what matters most to us, and you can count on us for consistent support and solid advice all the way. We’re here to ensure your financial journey is as stress-free as possible, because your peace of mind is important to us.

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.
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What is credit counselling?

Credit counselling is a service that helps people manage their debts and improve their financial situation. They can also negotiate with your creditors on your behalf to reduce interest rates, or create a payment plan that you can afford.

The goal of credit counsellors is to help you get out of debt and improve your financial stability over the long term.


What sort of debts do Canadians struggle with?

It’s common to feel like you’re the only one with debt but nothing could be further from the truth. Statistics show that in Canada:

  • 40% have a mortgage
  • 29% have credit card debt
  • 28% have a vehicle loan
  • 13% have HELOC, where you borrow against the available equity in your home

And while it’s true that not everyone may be struggling with these repayments, these figures do show that debt is a significant part of everyday life for a lot of Canadians.

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What solutions can credit counsellors offer me?

There isn’t a one-solution-fits-all fix when it comes to personal finances. There are plenty of different avenues to consider and it can be daunting knowing which one will serve you best. That’s where the advice of a credit counsellor can be invaluable.

They’ll know about all the latest products and resolutions and have established working relationships with the people who can help reduce your debt to a manageable level (or even make your debt a thing of the past).

Initially, credit counsellors will take you through the process of:

  • Working out how much debt you have overall
  • How much gross money you have coming in
  • How much you have going out in deductions
  • How much you have leftover at the end of each month

Once they’ve established your financial situation, they can recommend the appropriate course of debt relief.

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Alternatives to credit counsellors

If your debts are more severe and a debt management plan won’t be an adequate solution then you should consider talking to a Licensed Insolvency Trustee instead. They have more legal powers than a credit counsellor and can act on your behalf to instigate consumer proposals and even bankruptcy.

Harris and Partners have been helping Canadians with debt problems for over half a century, so if you need credit counselling or any other form of debt consolidation then complete the callback request form below today.

Meet our licensed insolvency trustees: expert credit counsellors

We know how overwhelming the weight of debt can feel. But, with our Licenced Insolvency Trustees, you don’t have to face it alone. Backed by years of experience in helping Canadians just like you, we are here to offer judgment-free credit counsel support every step of the way.

  • 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

Debt management plans

This is where a credit counsellor will negotiate on your behalf with each of your creditors to accept a reduced payment to make your monthly repayments more affordable. This is usually achieved by extending the length of time that your debts are paid over, up to a maximum of five years.

Credit cards, loans and lines of credit can all be covered by debt management plans and, occasionally, secured debt can be included too.

It’s important to know that this can negatively impact your credit score for up to two years once the debt management plan has been completed, but you’ll also be out of debt.

Credit counselling FAQs

How much do debt counsellors cost?

Fees for credit counsellors are regulated in some Canadian provinces but credit counselling companies can set their own prices. There may also be additional indirect fees so make sure you do your homework on fees before signing up with a credit counsellor.

Our credit counsellors are here to help you

A credit counsellor will work with you to review your income, expenses, and debts, and then help you create a budget and a plan to pay off your debts.

They know that your financial situation is unique to you, so they’ll work with you on putting together a completely bespoke solution to your financial issues. It makes no difference to them how you accumulated your debt, so there’s no need to feel embarrassed or ashamed.

If you don’t feel comfortable speaking about credit problems, fill out the form below and we will get back to you.

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Where you can find our credit counselling services in Canada

We operate across all provinces in Canada except Quebec, so help is always close by at a Harris & Partners office near you.

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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.

Our Debt Management Solutions