Debt Relief Programs & Consumer Proposals in St. Catharines
If you’re feeling overwhelmed by debt and unsure of your next step, our team of Licensed Insolvency Trustees in St. Catharines is ready to help. A simple phone call can start your journey toward a debt-free life.
Safe, secure & confidential
Licensed insolvency trustee advice in St. Catharines
Spending beyond our means, redundancy, illness – even having to take a pay cut to look after a friend or family member can all unduly affect our finances. Whatever the reason for it, we understand that debt that seems impossible to pay off can wreak havoc on your personal life and your physical and mental well-being.
We can help.
The St. Catharines Licensed Insolvency Trustees at Harris & Partners Inc. will show you how to regain financial control by providing a range of debt relief options. If you are overwhelmed with payments, obtain debt help today by calling the Licensed Insolvency Trustees at Harris & Partners in St. Catharines, Ontario.
Call us at 519-756-8190 to speak with our experienced team dedicated or, alternatively, book a free, no-obligation consultation online.
Is there a debt relief program in St. Catharines?
Facing debt can be stressful and isolating, but you always have options. While the Canadian government doesn’t directly offer debt relief programs, options like consumer proposals and bankruptcy can help you reduce what you owe and start rebuilding your finances.
At Harris & Partners, we take the time to understand your situation. Our Licensed Insolvency Trustees in St. Catharines will help you find the right solution—one that works for your life, your goals, and your peace of mind.
Take the first step today. Contact us for a no-pressure chat and start taking control of your financial future.
Debt help in St. Catharines - it’s a simple process
Feeling the weight of debt in St. Catharines? Let’s sit down and talk about it. We provide a safe and private space where you can openly share your financial details without any judgment. We’ll chat about your income, debts, expenses, and who you owe money to, to offer you the best advice possible. And don’t worry—our consultations are both completely confidential and free.
Once we have a clear picture of your financial situation, we’ll work together to find a plan that feels right for you. We’ll explore various debt management strategies and focus on options that make you feel comfortable. We’re here to guide you at your own pace, creating a clear and personalized route to financial stability.
When you’re ready and comfortable with the plan, we’ll put it into action. Your financial well-being is our top priority, and we’ll always be on hand to answer any questions or concerns you might have.
Debt consolidation in St Catharines
Dealing with multiple debts can be exhausting. You might be thinking about a debt consolidation loan, but while it can make things simpler, it doesn’t always fix the real problem.
A consumer proposal could be a better way to go. It helps reduce the amount you owe, stops interest charges, and protects you against creditor actions. In short, you get the breathing space you need to take back financial control and move towards a fresh start.
If your debt is keeping you up at night, don’t face it alone. Contact our team today, and we’ll get you back to a debt-free life.
Consumer proposals in St Catharines: A bankruptcy alternative
Struggling with debt but want to avoid bankruptcy? If you live in St Catharines, a consumer proposal might be the solution you’re looking for.
It’s a legally binding agreement that lets you negotiate with your creditors to reduce the amount you owe and create affordable, interest-free payments.
Not only does this reduce the total amount you owe, but you also get to retain important assets like your home and car—keeping those stressful creditor calls and collection actions at bay.
At Harris & Partners, we understand every situation is different. Our Licensed Insolvency Trustees in St Catharines will work with you to create a consumer proposal that works for you and offers a clear path from debt.
Let’s take that first step together—contact us today to see if a consumer proposal is right for you.
Bankruptcy solutions in St. Catharines
Harris & Partners Inc. is a full-service insolvency firm in St. Catharines, offering several different solutions to help you ease the burden of debt. Our experienced team of administrators will take the time to understand your unique situation and then recommend the best course of action based on this.
Solutions include:
- Consumer proposals
- Bankruptcy
- Debt management
- Corporate insolvency
- Corporate bankruptcy
- Debt settlement
If you or a loved one need effective debt solutions in St Catharines then we can help. Our expert team will put you back on the path to financial stability once more!
Harris & Partners: St. Catharines office
Our team of Licensed Insolvency Trustees in St. Catharines is ready to help you find your way out of debt. Give us a call and we’ll give you a plan.
Your estate manager in St. Catharines
Andrew was born in Ukraine and came to Canada in 1998 as a student. Andrew started his career in the insolvency and restructuring field in 2003 during the co-op accounting degree program at Grant MacEwan College in Edmonton. After graduation Andrew continued to work in the field of insolvency and restructuring.
In 2011 Andrew earned his professional accounting designation. In 2013 he became a Chartered Insolvency and Restructuring Professional (CIRP) and a Licensed Insolvency Trustee.
Andrew now lives in Toronto, and he joined Harris & Partners in 2023. Andrew is passionate about helping people and businesses in financial difficulties.
Address
36 Page Street, Suite B, St. Catharines ON, L2R 4A7
How to get there
Transit: Take either 308/408 or 337/437 from the downtown terminal.
Driving: We are located in St. Catharines, just south of the QEW. Exit at Niagara Street, turn right/south until Welland Avenue. Turn left and continue past Herman’s Building Supplies. The building is on your right at the corner of Tasker and Welland.
Office hours
Monday: 08:00 AM – 04:00 PM
Tuesday: 08:00 AM – 04:00 PM
Wednesday: 11:00 AM – 07:00 PM
Thursday: 08:00 AM – 04:00 PM
Friday: 08:00 AM – 04:00 PM
Do you need to consider going bankrupt?
If you think you might be on the edge of filing for bankruptcy, just ask yourself the following questions:
- Do I need to use my credit card(s) to pay for everything?
- Do I only make the minimum payments on my card(s) each month?
- Are the payments I’m making less than what gets added on in interest each month?
- Are my cards near their limit?
- Have I got more going out than I have coming in?
- Are my debts affecting my mental and physical health and my relationships with others?
- Have I had warning letters from your debtors about overdue payments?
- Have I been threatened with repossession to pay off debts?
- Am I constantly borrowing money to just get through the week?
Even if you only recognize one of these scenarios, you might still benefit from talking to one of our Insolvency Trustees. To speak with a debt specialist in St Catharines and take the first step to getting out of overwhelming debt, hit the link below.
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?Our debt management solutions in St. Catharines
Dealing with debt can feel like carrying a heavy weight. But don’t worry, here in St. Catharines, we offer several options to help lighten the load:
Why choose us for debt help in St. Catharines
Imagine reducing your debt by as much as 80%. Our expert Licensed Insolvency Trustees in St. Catharines could make it happen, helping you find peace of mind once again.
No jargon, no confusion. Our multilingual team ensures you understand every detail, regardless of the language you speak.
With services across nine provinces, you’re never far from help—even if you’re not in St. Catharines.
Frequently asked questions
How much does a consumer proposal cost in St. Catharines?
The cost varies based on your unique financial situation but is bundled into one manageable payment plan. Our trustees can give you a personalized breakdown – reach out today.
What assets are exempt from bankruptcy in St. Catharines?
Assets that are protected from bankruptcy in St. Catharines include:
- A portion of the equity in your primary home (up to a certain value).
- Some of your personal belongings, like clothing and household goods.
- A vehicle up to a certain value.
- Tools of your trade up to a specific value you use to earn income.
- Certain types of savings, like RRSPs (excluding contributions made in the last 12 months before declaring bankruptcy).
How do I declare bankruptcy in St. Catharines?
Declaring bankruptcy in St. Catharines involves a few different steps:
- Start by talking to a trustee to see if it’s your best option.
- Fill out and submit the necessary paperwork with help from your trustee.
- Stop creditor actions and attend counseling as required.
- Complete any other steps to finish the process and get your bankruptcy discharge.
Bankruptcy is a big step, and getting the right advice is really important. Chat with one of our trustees to make sure it’s the right move for you.
Find your path to financial freedom in St. Catharines
Feeling overwhelmed by debt? You don’t have to face it alone. Our St. Catharines team is here to guide you. Simply fill out the form below for a free, no-strings-attached 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 St. Catharines & Across Canada
Not in St. Catharines? No problem. We offer support across nine provinces, ensuring you have the help you need, wherever you are.