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Debt solutions & consumer proposals in Kitchener, Ontario

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Kitchener debt solutions catered to you

At Harris & Partners, we understand that the stress and pressure of debt can feel overwhelming. But with our skilled Licensed Insolvency Trustees in Kitchener at your side, you don’t have to face it alone.

We have been helping people in Kitchener for over 50 years and we know people fall into financial difficulty for all sorts of reasons – whether it’s an unexpected medical issue, losing your job, or simply spending beyond your means. No matter the cause of your debt, we are here to support you with judgment-free debt relief solutions.

Do you have questions on what debt solution is best for you? Contact our Licensed Insolvency Trustees in Kitchener today.

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Bankruptcy trustees & debt solutions in Kitchener

Harris & Partners Inc. have over 50 years of experience helping Canadians with bankruptcy, consumer proposals and other methods of debt management. If you are concerned that your debts are becoming unmanageable, either from a personal point of view or a corporate one, the insolvency trustees at our Kitchener-Waterloo location can help you to make an informed choice on regaining control of your finances.

If you or a loved one need help with debt problems, we offer debt solutions in Kitchener that can allow you to get out of debt.

Kitchener Office

If your situation seems like there is no solution but bankruptcy, give Harris & Partners Inc. a chance to help you understand your options. There are a lot of debt relief options that our trustees in Kitchener-Waterloo can help you understand and assist you with. But if bankruptcy is the best option for you, call the team at Harris & Partners that cares about you.

Your estate manager in Hamilton

Marlene joined Harris & Partners Inc., in 2011 to head up the newly formed Hamilton and surrounding area office.

Marlene has been in the insolvency business for over 25 years and has obtained her CIRP along with becoming a certified BIA Counsellor. In addition, she has obtained a Counselling Techniques Certificate Program at Mohawk College. Marlene has extensive experience in dealing with all sorts of consumer insolvency matters with a goal to provide the best solution that one can get when looking for protection from their creditors. Marlene was born and raised in Hamilton and understands the nature of business and economy in the region, which helps her serve her debtors.


180 Northfield Dr W #4, Waterloo, ON N2L 0C7

How to get there

Transit: Take the HSR 20 A-Line Express bus southbound towards Hamilton Airport via Mohawk College. Exit at Upper James & Aldridge. Walk 100m to our office on Upper James.

Driving: We are located on the corner of Lincoln Alexander Pkw W & Upper James St. Were located in the same plaza as Upper James Toyota.

Office hours

By appointment only:

Monday: 09:00 AM – 05:00 PM
Tuesday: 09:00 AM – 05:00 PM
Wednesday: 09:00 AM – 05:00 PM
Thursday: 09:00 AM – 05:00 PM
Friday: 09:00 AM – 05:00 PM

5 steps to debt relief in Kitchener

Facing debt can feel endless if we don’t have a plan. To help lighten your load, we suggest using these five steps in your path to debt reduction in Kitchener:

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Step 1. Create and stick to a budget

Making a budget is your starting point when you’re looking to get a handle on your debt. Begin by checking out how much you’re spending every month and see where you might be able to cut back. Try to put aside at least 10% of what you earn each month. Doing this will help you:

  • Build up a fund to pay off debts
  • Have money on hand for surprise expenses
  • Start saving for your future
Get started with a debt relief solution
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Step 2. Prioritise the debts with the highest interest rates

If you have multiple debts, some will cost you more than others because of high interest rates. While you should always make at least the minimum payment on all your debts, direct any overpayments to the debts with high-interest first, since they grow faster over time.

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

If you’re looking to speed up your debt reduction in Kitchener, you could transfer high-interest debts to accounts with lower interest rates. You could even use a line of credit to pay down high-interest credit card debt, or ask your bank to raise your limit to cover it.

If you own property, consider refinancing your mortgage or getting a second one to pay off higher-interest debts. This can bundle your debts into one lower-interest payment.

Speak with a specialist
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Step 4. Increase your income

When paying off debts, even the smallest amount can make a big difference, so try to find ways of boosting your income. You could work some extra hours or even pick up a second job. Alternatively, if you’ve got the space, housing a roommate or tenant could provide another stream of income to repay your debt with.

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Step 5. Set up a personal payment plan

Treat getting rid of debt like any other goal and create a plan. Begin by figuring out what you specifically want to achieve in reducing your debt and consider talking to a credit counselor to get fresh ideas on how to handle your finances better.

Make a calendar that shows when all your payments are due and how much you should pay. It’s also a good idea to set up automatic bill payments, so you can be sure you never miss a due date.

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Bankruptcy and debt management in Kitchener

If you feel like your debt is spiraling out of control and you’re anxious about what’s next, you might believe that bankruptcy is the only answer. Our Licensed Insolvency Trustees have years of experience in helping people gain financial independence, without the need to file for bankruptcy. Ask yourself the following questions:

  • Do I need to use my credit card(s) to pay for everything, even day-to-day essentials?
  • Can I only afford to make the bare minimum payments on my credit card(s)?
  • Are any payments I make made redundant by interest charges?
  • Do I often need to borrow money just to get by?
  • Are my outgoings more than what I have coming in?
  • Have I received ‘red warning letters’ from my creditors?
  • Have I lost sleep worrying about my debts?
  • Are my debts affecting my physical and mental health?

If you answered yes to any of these questions, get in touch with our team today. We’re here to walk you through your choices and set you on the path to financial freedom.

Frequently asked questions

How do I get debt help in Kitchener?

If you need help with your debt in Kitchener, you can count on Harris & Partners for professional, compassionate guidance. We are fully qualified to provide a wide range of debt solutions and work with your creditors to reduce your overall debts. Our solutions include, but are not limited to:

  • Debt consolidation
  • Consumer proposals
  • Corporate insolvency
  • Bankruptcy

If you have been affected by debt and want to know how to reduce them or even have them completely written off, let the Kitchener Licensed Insolvency Trustees at Harris & Partners Inc. help you regain financial control.

What is a consumer proposal?

A consumer proposal can be used as an alternative to bankruptcy, if your debts aren’t too high. By allowing one of our expert Insolvency Trustees to act on your behalf, they can negotiate with your creditors to accept a smaller monthly payment and write off the rest of the debt. This would free up more of your income and do less damage to your credit score than bankruptcy proceedings.

Get in touch with our Licensed Insolvency Trustees in Kitchener today to learn more about how consumer proposals can help you.

What debt help in Kitchener do you offer?

  • Debt consolidation
  • Danger signals
  • Consumer proposals
  • Corporate insolvency
  • Bankruptcy
  • Court-appointed receivership
  • Complex commercial matters

Let the Licensed Insolvency Trustees at Harris & Partners find debt solutions in Kitchener for you and help you regain financial control.

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 student loans in Kitchener?

Yes, debt relief programs can help manage student loans in Kitchener. Consumer proposals, for example, allow 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.

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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.

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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.

Debt Relief in Kitchener & Across Canada: Local Expertise, National Reach