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Debt relief in Dartmouth & Halifax: Consumer proposals, bankruptcy and licensed insolvency trustees

Name: Debt Relief in Dartmouth/Halifax
Address: 805-202 Brownlow Avenue, Dartmouth, NS, B3B 1T5, CA
Telephone: 800-268-8093

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 in Dartmouth: Find the right solution for you

Debt can be a heavy weight to carry, but help is out there. From consumer proposals to bankruptcy—and everything in between—you have options.

Tell our Licensed Insolvency Trustees in Dartmouth your situation, and we’ll make a debt relief plan that works best for you. From reducing what you owe to protecting your assets or simply making payments more manageable, it’s never too late for a fresh start.

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.

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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

Tel: · 800-268-8093

Email: · rob@harrispartners.ca

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.

Address

805-202 Brownlow Avenue, Dartmouth, Nova Scotia B3B 1T5

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!

Speak with a specialist

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.

Get debt help

Example Savings Calculator With Harris & Partners Debt Relief

Your Potential Debts:

Personal Income Tax $14,078.28

Amex $10,828.36

BMO Overdraft $2,945.54

Bell Phone Arrears $928.36

MoneyMart Payday Loan $1,524.87

National Student Loans $7,985.12

Total amount owed: $38,290.53

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?

Free debt repayment calculator

Get a free debt repayment plan tailored to your needs

Expert support from Licensed Insolvency Trustees

Your Information is safe & confidential

Step 1: Your debt

Your plan

Your Information is safe & confidential

Browse Debt Review Options in Canada

Consumer Proposals

Consumer proposals can be an alternative to bankruptcy that reduces debt and gives you more time to pay back creditors.

Legally stop creditors
Keep your assets & negotiate lower payments
Avoid bankruptcy

Bankruptcy

We will help you through the bankruptcy process every step of the way and guide you to a better financial future.

Wipe out most unsecured debt
Protect assets like your home
Last resort option

Corporate Bankruptcy

Corporate bankruptcy can be difficult to navigate, but we’ll help you through the maze, while also exploring other options too.

Restructure debt
Protect jobs for employees
Avoid liquidation

Corporate Insolvency

Restructure your debt and operations to secure your company’s future.

Navigate financial hurdles and protect jobs
Typically liquidate assets to pay off debts
Avoid corporate bankruptcy

Debt Consolidation

You consolidate various debts under one loan to pay back to creditors. This approach can help you save on interest over time.

Simplify repayments & reduce interest rates
Improve credit score
Gain control over finances, avoid multiple creditors

Debt Management Plan

Stay in control of your debts with a predictable, scheduled repayment plan. These plans can run for up to 5 years and aim to leave you debt-free at the end of the repayment period.

Potentially reduce payments
Avoid interest
Repay debt in agreed time frame

Division 1 Proposals

Division 1 Proposals let you change the terms of your debt, reducing the amount you owe and / or extending the repayment period.

Repay portion of debt over extended period
Retain assets
Avoid bankruptcy

Credit Counselling

Here, you’ll learn to pinpoint the causes of your financial issues and gain the tools to take back control of your finances.

Develop a personalized budget
Learn debt management strategies
Repair damaged credit

Debt Settlement

To settle your debt you can hire a company to negotiate with the creditor.

Potential for significant debt reduction
May damage credit score
Not guaranteed

Support across Canada

Why choose us for consumer proposals in Ontario?

Remove up to 80% of your debt

Our Licensed Insolvency Trustees can provide a customised consumer proposal that could shrink your debt by up to 80%.

Get debt help

Professional guidance in any language

Our multilingual team offers debt support in Farsi, Portuguese, Italian, Tamil, and more, so you can feel comfortable every step of the way.

Meet the team

Nationwide support

With offices in nine provinces, we offer in-person debt support across Canada—from Atlantic provinces to Ontario to British Columbia.

See our locations

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.

Contact information

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

Phone number: 800-268-8093
Email: hello@harrispartners.ca

Send us a message

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   Harris & Partners Inc.
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   Ruth Planta 
 2 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very informative and practice good customer care
  
 
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   Pierre Michel Gregoire 
 17 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. So far very promp service. Great communication
  
 
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   Erika DeBruyne 
 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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   Alan Tuck 
 11 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Working with Harris & Partners made my life less stressful. Yasan was amazing to work with. He provided one on one consultation at anytime and was truly professional throughout.
  
 
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   kiranjit kaur 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a good experience with the debt relief agency. The team was professional, understanding, and explained the process clearly. I appreciated being able to ask questions without feeling judged, and the communication was helpful throughout the process.
Overall, I felt supported and would recommend them to anyone considering debt relief to do their research and see whether the service is right for their situation.
  
 
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   Satish Tiwari 
 9 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. They were a beacon and helped me to getting back on feet.
  
 
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   Ogie Amonte 
 4 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Easy to communicate to them.
Arsh Gavit
  
 
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   Mathew 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Harris & Partners. The entire process was handled professionally and with great care. I would especially like to appreciate Arsh Gavit for his excellent service, patience, and clear guidance throughout the process. He was always helpful, responsive, and made everything much easier to understand. Highly recommended!
  
 
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   shay cohen 
 20 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. After long stress and hard prosses
Yasan took control on my case
He explained and gave clear solutions
And prosses quickly with  success
Thank you for help in hard times
I was blessed to get help from you
  
 
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   Ronald Gosling 
 13 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Would like to thank all the people that helped me through this rough time financially. They all did a great job and I'm very satisfied with the outcome.
I recommend Harris & Partners to all who need a little help.
  
 
 
  
 
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