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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 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 most collection action
Usually keep your assets
Avoid bankruptcy

Bankruptcy

A last resort when other options won’t work. Some debts, such as support payments and court fines, aren’t released.

Wipe out most unsecured debt
Keep assets protected by provincial law
Support from your trustee throughout

Debt Consolidation

A loan from a bank or lender that combines several debts into one payment.

One payment instead of several
May lower your interest rate
Doesn’t reduce what you owe

Not available through Harris & Partners.

Debt Management Plan

A non-profit credit counsellor arranges one monthly payment to your creditors, usually over up to 5 years.

You repay the full amount owed
Interest may be reduced
Creditors don’t have to agree

Not available through Harris & Partners.

Credit Counselling

Non-profit credit counsellors help you understand your finances and build a budget.

Work out what you owe
Plan a budget
Learn money management skills

Not available through Harris & Partners.

Debt Settlement

Private companies negotiate a lump-sum payment with your creditors, who don’t have to agree. They aren’t Licensed Insolvency Trustees

Not regulated under the BIA
No legal protection from creditors
Fees often charged upfront

Not available through Harris & Partners.

Corporate Bankruptcy

An orderly way to close a company that can’t be rescued. Directors may still be personally liable for some debts.

Orderly wind-down of the company
Assets sold by the trustee
Ends creditor claims against the company

Division I Proposals

For businesses, and for individuals whose debts (excluding their mortgage) are over $250,000. Change the terms of your debt by reducing what you owe, extending the repayment period, or both.

Repay part of your debt over time
Keep your business or assets
Avoid bankruptcy

Corporate Insolvency

Options for a business that can’t pay its debts, from restructuring to an orderly wind-down.

Restructure through a Division I proposal
Protect jobs where viable
We’ll assess every option

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.
   2230 Google reviews 
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   Deannie Purdy 
 19 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Vala was awesome un helping us everything went very smooth this company is very understanding
  
 
     Posted on Google  
   
   Naomi Hansen 
 19 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. This was a great experience and easy.  I was ashamed to have to do this but they made me feel comfortable and feeling better that I did the right thing.
  
 
     Posted on Google  
   
   Christian Castillo 
 13 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. They provided great service and support, making the consumer proposal process easy and guiding me step by step. I appreciated their professionalism, patience, and help during a stressful time. I highly recommend them to anyone seeking a fresh financial start.
  
 
     Posted on Google  
   
   Laverne Jackson 
 10 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Harris & Partners Consumer Proposal process.
Vlad, my intake administrator was amazing. He patiently guided me through the propane explain ed things clearly.
Vlad’s communication was excellent and he constantly followed up to ensure everything went well.
Thank you Vlad and team for your assistance and professionalism
  
 
     Posted on Google  
   
   T S 
 9 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Good service overall! Everything went smoothly, but I have to deduct one star. For a company that claims to be professional, they didn't bother to correct my name. They listed my middle name as my last name, and when I spoke to Samuel via Google Meet, he promised to fix it. However, the new document I was asked to sign still had the same mistake, which they failed to correct. It was a simple fix they ignored. I also messaged Ali, but nothing was changed. Not a great impression.
  
 
     Posted on Google  
   
   Kim ONeill 
 7 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and judgment free
  
 
     Posted on Google  
   
   Ryan Jackson 
 6 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. great service. very understanding and accomodating people to deal with in the unfortunate event of insurmountable debt
  
 
     Posted on Google  
   
   Ruth Planta 
 2 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very informative and practice good customer care
  
 
     Posted on Google  
   
   Pierre Michel Gregoire 
 17 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. So far very promp service. Great communication
  
 
     Posted on Google  
   
   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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