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.
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
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 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.
Our Debt Management Solutions
Why Harris & Partners
Our Licensed Insolvency Trustees provide a customized service that could remove up to 80% of your debt and stress, so you can breathe easier.
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.
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?
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.