Debt solutions & consumer proposals in Newfoundland & Labrador

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    Bankruptcy trustees & consumer proposals in Newfoundland & Labrador

    Newfoundland and Labrador is home to over half a million people. If you are one of these people and you’re finding the weight of your mounting debts too much to bear, then you need to seek bankruptcy help with a Harris & Partners Licensed Insolvency Trustee.

    At Harris & Partners Inc., we have over 50 years of experience, so when it comes to offering a variety of solutions to people considering bankruptcy in Newfoundland and Labrador, you can rest assured that our Newfoundland and Labrador bankruptcy services are beyond compare.

    If you or a loved one are struggling with debt problems, we offer debt solutions in Newfoundland and Labrador that can help you to escape them. Take advantage of our free, no-obligation consultation and let’s work together on wiping the slate clean to make you debt-free.

    Licensed insolvency trustee in Newfoundland & Labrador

    Society sometimes wrongly jumps to the conclusion that people have unmanageable debts because they have spent frivolously, but this is often not the case. We have seen many cases of financial difficulty where people have gotten into debt through no fault of their own such as having health problems, having to take on someone else’s debts or an unforeseen change of circumstances.

    If the amount of debt that you have seems insurmountable and overwhelming debt is ruining your life, then let the Newfoundland and Labrador Licensed Insolvency Trustees at Harris & Partners Inc. help you regain financial control.

    If you have questions on how you can regain your financial freedom from unmanageable debt then our debt relief advice and services could be truly life-changing. Call us today and speak with our dedicated experienced team who will work their magic to achieve your financial success. Alternatively, book a free, no-obligation consultation online.

    Newfoundland and Labrador Office

    We know that it can be hard to get your finances back on track. Sometimes, filing for bankruptcy in Newfoundland and Labrador can be your only option, which can be a scary thought. Our helpful Licensed Insolvency Trustees will help you to find the right solution for your financial needs regarding bankruptcy in Newfoundland and Labrador and get you back on track.

    Your estate manager in Newfoundland & Labrador

    Rob McLernon is responsible for the PEI, Nova Scotia, New Foundland & New Brunswick offices.

    Rob joined HPI in 2022 after spending the past 20 years in the insolvency industry having most recently managed Grant Thornton’s insolvency team in Atlantic Canada.  He became a Chartered Insolvency and Restructuring Professional (CIRP) in 2014 and a Licensed Insolvency Trustee (LIT) in 2015.  Rob is 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.


    Genesis Coworking, Levels 2 & 3, Johnson Innovation Station, 495 Water Street. St. John’s NL,  A1E 6B5

    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 Newfoundland & Labrador

    In Newfoundland and Labrador, there are a number of exemptions from seizure during bankruptcy proceedings set by the Provincial Government. Some are related to equity while others are seen as common sense necessities.

    These exemptions include:

    – Food and fuel for you and your dependants for the coming 12 months
    – All medical and dental aids for your household
    – Clothing for your household to the value of $4,000
    – Appliances and household furnishings worth up to $4,000
    – One motor vehicle worth less than $2,000
    – All pets
    – Items of sentimental value up to the value of $500
    – Up to $10,000 of equity in your main place of residence
    – Tools of your trade up to $10,000
    – Certain income and pension plans
    – Farming, fishing, and fish farm exemptions include personal property used by you to earn an income, to the value of $10,000

    If you are in Newfoundland and Labrador and are considering bankruptcy or a consumer proposal as a way to address your debt situation, then speak to one of our Licensed Insolvency Trustees first. You’ll find their years of experience invaluable and they can guide you to the best possible solution for your unique circumstances.

    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 New Foundland & Labrador today to learn more about consumer proposals.

    What debt help in New Foundland & Labrador do you offer?

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

    Let the New Foundland & Labrador Licensed Insolvency Trustees at Harris & Partners help you regain financial control.

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