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Consumer proposals & other debt solutions in Nova Scotia

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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.

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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.

Nova Scotia Office

Harris & Partner’s insolvency experts can lift your financial burden by offering expert advice on the bankruptcy procedure in Nova Scotia. Begin the journey of removing your financial burden by calling us to arrange an appointment, 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.


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


Danger signs of bankruptcy

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 paymentsstudent 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.

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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.

Frequently asked questions

What is a consumer proposal?

Bankruptcy is considered a last resort as it comes with many restrictions that make it difficult to apply for new credit. The most popular alternative to bankruptcy is a consumer proposal.

We’ll help you to negotiate with your creditors for a reduced payment, which means you’ll only pay back a portion of your debts and your creditors will write the rest off. Once the consumer proposal is in place, your creditors are legally not allowed to contact you for more than you’ve agreed, giving you more disposable income each month and a release from the worry of unmanageable debt.

Contact Harris & Partners Inc. in Nova Scotia today to learn more about consumer proposals.

What other debt help in Nova Scotia do you offer?

– Debt consolidation
– Consumer proposals
– Corporate insolvency
– Bankruptcy

Let the Nova Scotia Licensed Insolvency Trustees at Harris & Partners help you regain financial control – speak to one of our experts today. Complete the form below to get a callback or speak to us directly on 1-800-268-8093.

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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.