Debt Relief Solutions & Consumer Proposals in Nova Scotia
Feeling overwhelmed by debt in Nova Scotia? Remember, you’re not alone. Our team of Licensed Insolvency Trustees is dedicated to helping you regain your footing and journey toward financial independence.
Safe, secure & confidential
Bankruptcy trustees & consumer proposals in Nova Scotia
If you’ve been struggling with debt and looking for consumer proposals, debt solutions, and personal bankruptcy solutions in Nova Scotia, then Harris & Partners can help. The Licensed Insolvency Trustees at our Nova Scotia branch are fully qualified to offer debt solution advice and to act on your behalf in a legal capacity.
If you feel overwhelmed by the amount of debt that you currently have then take advantage of our FREE initial consultation and speak to our Trustees in Nova Scotia today. Harris & Partners have over half a century of experience in helping Canadians to either restructure or write their debts off completely, so you can trust the services that we provide are in your best interests and 100% effective. Don’t live with debt another day longer; speak to our Licensed Trustees today.
Licensed Insolvency Trustee in Nova Scotia
Have you built up unmanageable debts and you’re finding that you have more questions than answers on how to solve the situation? Then you might be surprised to learn that applying for bankruptcy in Nova Scotia is not your only option to get out of unmanageable debt.
Depending on the amount of debt that you have, there are numerous debt relief solutions that you could potentially be eligible for. Our Licensed Insolvency Trustees in Nova Scotia will work with your creditors on your behalf to repay your debts in a way that is manageable for you.
If your debt payments are starting to take over your life then take the first step to regain control by calling the Licensed Insolvency Trustees at Harris & Partners in Nova Scotia. Speak with our experienced team and get back to financial security once more.
Debt consolidation in Nova Scotia
Debt consolidation can be a helpful way to manage your debts, combining multiple payments into one. While they can lower your interest rates and make it easier to keep track of what you owe, it’s not always the best choice for everyone.
If you want a secure debt relief option that can lower the amount you owe and give you protection from creditors, a consumer proposal might be exactly what you’re looking for. Reach out to our team of Licenced Insolvency Trustees for your free consultation. Together, we can find the best debt relief solution for you.
Nova Scotia debt relief programs
Choosing the right debt relief program can be a lot to take in, but you don’t have to figure it out alone. We’re here to help you weigh up your options and find the solution that works best for your financial situation.
In Nova Scotia, you can access federally regulated programs like consumer proposals and bankruptcy. These proven solutions can help you reduce your debt, protect key assets like your home and car, and stop collection calls so you can focus on rebuilding your financial stability.
It’s never too late to take control of your finances. Let’s start with a conversation—reach out today to explore your debt relief options and take the first step toward a better future.
Debt help in Nova Scotia - it’s a simple process
Come on in and chat with us in Nova Scotia. We start with a friendly, open conversation to really understand your situation. We’re here to listen—without any judgment—as we go over your financial details like income, debts, and who you owe. These initial chats are totally free, and we always keep your details private.
After we get the full picture, we’ll help you put together a plan that fits just right. We’ll explore different ways to tackle your debt, focusing on the options you feel good about. We’re here to guide you, not push you into anything.
When you’re all set and happy with the plan, we’ll make it happen. Your financial wellbeing is our top priority, and you can trust us to be there with you every step of the way.
Debt help in Nova Scotia - it’s a simple process
Our debt management solutions in Nova Scotia
Dealing with debt can feel like an unbearable weight, but you have several options in Nova Scotia to help manage and overcome your financial burdens:
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?Harris & Partners: Nova Scotia office
You don’t have to deal with debt on your own in Nova Scotia. Our Licensed Insolvency Trustees are ready to help. Check out the details below and reach out to us today.
Your estate manager in Nova Scotia
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
99 Wyse Road, Suite 1100. Dartmouth NS, B3A 4S5
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
Help with Bankruptcy in Nova Scotia
If you think you might be on the edge of filing for bankruptcy then denying it’s a problem, will only make the situation worse. There’s always a solution that we can find to resolve your situation but first, you need to ask yourself some difficult questions:
- Do you have to use credit cards to pay for everything?
- Can you only pay the minimum monthly amount on your credit card(s)?
- Are you constantly borrowing money?
- Have you had final demand letters from your creditors?
- Have your creditors sold your debt or placed your account with a collection agency?
- Are you having sleepless nights worrying about paying your debts?
- Is your mood being affected by stress brought on by your debts?
If you recognize any of these signs in your own life then bankruptcy may be imminent. It’s so easy to acquire a large amount of debt when you’re faced with house payments, car payments, student loans and the generally high cost of living, so if your finances have gotten out of control, reel them back in with the help of a Harris & Partners Licensed Trustee.
Bankruptcy Exemptions in Nova Scotia
Applying for bankruptcy in Nova Scotia does not mean that you will automatically lose everything to your creditors. Bankruptcy exemptions in Nova Scotia include:
- One motor vehicle up to the value of $6,500
- All food and fuel in your household are exempt
- All clothing for you and your family
- Any medical aids and health aids your family needs
- Household appliances and furniture up to the value of $5,000
- Tools of your trade, farm equipment and fishing nets up to the value of $7,500
- Grain, seeds, and livestock for domestic use
If you need further advice on bankruptcy exemptions in Nova Scotia then speak to our expert team. Our Licensed Insolvency Trustees have decades of experience in successfully guiding people through bankruptcy. There’s no need to feel embarrassed; their only concern is helping to relieve you of the burden of unmanageable debt, so speak to them in confidence and turn your financial life around.
Why choose us for debt help in Nova Scotia
Our Licensed Insolvency Trustees in Nova Scotia specialize in creating personalized plans that can significantly lighten your financial load, potentially reducing your debt by up to 80%.
No matter what language you speak, our team in Nova Scotia is here to offer clear, straightforward advice. Whether you speak Farsi, Portuguese, Italian, or Tamil, we make sure to cut through the jargon so you understand everything, every step of the way.
Our commitment to assisting you stretches beyond the borders of Nova Scotia. With a presence across nine provinces, we’re just a phone call away whenever you need us.
Frequently asked questions
What is a Consumer Proposal in Nova Scotia?
In Nova Scotia, a consumer proposal is a legal process supervised by a Licensed Insolvency Trustee where you agree to pay back a portion of your debts. This arrangement reduces your total debt and provides extended repayment terms while protecting your assets.
What Assets are Exempt from Bankruptcy in Nova Scotia?
In Nova Scotia, certain assets are protected during bankruptcy, including essential clothing, household items, work tools, a primary vehicle up to a certain value, some pensions, and possibly a portion of your home equity.
How Do I Declare Bankruptcy in Nova Scotia?
To start the bankruptcy process, you’ll need to consult with a Licensed Insolvency Trustee in Nova Scotia. They’ll review your financial situation, discuss your options, and if bankruptcy is the right path for you, they’ll help you through all the necessary steps and paperwork.
Find your path to financial freedom in Nova Scotia
Dealing with debt can be incredibly stressful, but you’re not alone. Our team in Nova Scotia is always ready to provide the support you need. Start by filling out the form below for a free, no-obligation chat.
It's never too late to obtain debt help. Book your free consultation today
- Phone number
- 800-268-8093
- hello@harrispartners.ca
Contact form
Debt Relief in Nova Scotia & Across Canada
We’re here to support you, whether you’re in Nova Scotia or any of the other eight provinces we serve.