Debt relief in Dartmouth & Halifax: Consumer proposals, bankruptcy and licensed insolvency trustees
Feeling trapped by debt in Dartmouth & Halifax? Our Licensed Insolvency Trustees are ready to help. Contact us today for a free consultation and take the first step toward a debt-free life.
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Debt relief & consumer proposals in Dartmouth/Halifax
At Harris & Partners, we have 50 years of experience in things like consumer proposals, debt solutions, and personal bankruptcy in Dartmouth/Halifax, so it’s fair to say that we know a thing or two about helping people with their financial burdens.
If you’re considering bankruptcy or any other debt solutions then you’ll find our Trustee’s professional advice invaluable. You won’t find anyone else that knows more about helping people escape their debt problems and finding appropriate debt solutions in Dartmouth/Halifax than Harris & Partners.
Licensed insolvency trustee in Dartmouth/Halifax
You may not know this, but bankruptcy is not the only solution to your debt problems. The Trustees at Harris & Partners in Dartmouth/Halifax are highly qualified to offer alternative debt solutions and are more than happy to advise you on how to work with your creditors to avoid bankruptcy proceedings.
If you are lying awake at night trying to think of a solution to your debt problems then you need to know that you’re not alone in this. Get debt help from the Licensed Insolvency Trustees at Harris & Partners in Dartmouth/Halifax today. Our talented team have one goal in mind; to improve your financial education so you can relieve yourself of the burden of your financial difficulties once and for all.
Dartmouth/Halifax Office
Don’t let your financial situation be a burden to you any longer. Harris & Partners’ team of insolvency experts in Dartmouth/Halifax are confident that they can find the perfect bankruptcy solution for you. Get in touch to book some time in with one of our Trustees and let’s start your journey on the road to financial recovery.
Your estate manager in Dartmouth/Halifax
Rob McLernon is responsible for the PEI, Nova Scotia, New Foundland & New Brunswick offices.
After spending the past 20 years in the insolvency industry and having most recently managed Grant Thornton’s insolvency team in Atlantic Canada, Rob joined HPI in 2022. He became a Chartered Insolvency and Restructuring Professional (CIRP) in 2014 and a Licensed Insolvency Trustee (LIT) in 2015. Rob is also the Past President of the Nova Scotia Association of Insolvency & Restructuring Professionals (NSAIRP).
Rob is passionate about helping clients find solutions to their financial struggles and says he has the best job in the world – helping people each and every day achieve a Fresh Financial Start.
Office hours
By appointment only:
Monday: 08:30 AM – 05:00 PM
Tuesday: 08:30 AM – 05:00 PM
Wednesday: 08:30 AM – 05:00 PM
Thursday: 08:30 AM – 05:00 PM
Friday: 08:30 AM – 05:00 PM
Danger signs of bankruptcy
If you think you might be on the edge of filing for bankruptcy, ask yourself the following questions:
- Do you have to use credit cards to pay for everything?
- Can you only pay the minimum monthly amount on your credit card?
- Are you constantly borrowing money?
- Have your creditors repossessed your car?
- Have your creditors sold your debt or placed your account with a collection agency?
If you recognize any of those warning signs in your life, you may be headed for bankruptcy. Debt has a way of creeping up on nearly anyone with a credit card. It’s quite easy to acquire a large amount of debt when you’re faced with house payments, car payments, or student loans.
Bankruptcy exemptions & consumer proposals in Dartmouth/Halifax
It’s common to initially feel worried about your property and possessions during bankruptcy proceedings, but there are many essential personal effects that bankruptcy or consumer proposals are not allowed to touch. Bankruptcy proceedings for Dartmouth and Halifax fall under the jurisdiction of Nova Scotia province.
These exemptions include:
- Food, clothing, and fuel
- Medical and health aids
- Furniture, household furnishings, and appliances worth up to $5,000
- A motor vehicle that is worth less than $6,500
- Pension plans, RRSPs, and RRIFs
- Farmers: Seed, grain, and livestock
- Chattels used in the debtor’s chief occupation – to the value of $7,500
Do you have more questions? Are you unsure whether something you own would be exempt from bankruptcy proceedings? Speak to our Trustees who can give you sound advice and guide you through the entire process. The initial consultation is free!
Debt consolidation in Dartmouth & Halifax
Managing multiple debts can feel never-ending. But, while a debt consolidation loan might seem like an easy fix by simplifying your payments, it doesn’t always solve the problem. Sometimes, it can even make your situation worse.
A consumer proposal is usually the best alternative. Here’s why:
- It reduces the total amount you owe.
- Interest charges are frozen.
- You get legal protection from creditor action.
It’s a more manageable way to take control of your debt and start fresh. If you’re feeling stuck, we’re here to listen and help. Contact us today, and we’ll work together to find the right solution for your situation.
Example Savings Calculator With Harris & Partners Debt Relief
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 Debt Management Solutions
Why Harris & Partners
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.
Frequently asked questions
What is a consumer proposal?
In need of an alternative to bankruptcy? File a consumer proposal!
By negotiating with your creditors, you can file a consumer proposal that will require you to:
– Pay back only a portion of all your debts
– Allow creditors to make up the remaining balance
Contact Harris & Partners Inc. in Dartmouth/Halifax today to learn more about consumer proposals.
What debt help in Dartmouth/Halifax do you offer?
– Debt consolidation
– Danger signals
– Consumer proposals
– Corporate insolvency
– Bankruptcy
– Court-appointed receivership
– Complex commercial matters
Let the Dartmouth/Halifax Licensed Insolvency Trustees at Harris & Partners help you regain financial control.
Get expert debt help in Halifax and Dartmouth
Are you looking for specialist help in managing your debts? Your search ends here. From consumer proposals to debt consolidation – we have experience in it all. If you’re ready to take control of your finances, get in touch with our specialist team of Licensed Insolvency Trustees today.
It's never too late to obtain debt help. Book your free consultation today
- Phone number
- 800-268-8093
- hello@harrispartners.ca
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