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Debt Relief Solutions Toronto: Consumer proposals, bankruptcy and debt consolidation

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Toronto debt solutions catered to you

At Harris & Partners, we understand that the weight of debt can feel overwhelming. That’s why our skilled Licensed Insolvency Trustees in Toronto are here to make sure you don’t have to face this hurdle alone.

People can find themselves in financial hot water for all sorts of reasons – whether it’s an unexpected medical issue, losing your job, or simply spending beyond your means. No matter the cause of your debt, we are here to support you with judgement-free debt relief solutions.

If you have any questions on how best to deal with your debt problems, contact our Licensed Insolvency Trustees in Toronto today.

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Consumer proposals in Toronto

At Harris & Partners Inc., we have over 50 years of experience and offer our Toronto bankruptcy services in many different languages to meet our clients’ needs. We also offer a variety of effective alternative solutions for those considering bankruptcy in Toronto, such as consumer proposals and debt consolidation.

If you or a loved one need help with debt problems, we offer debt solutions in Toronto that can help. Contact us today for a free, no-obligation consultation at 416-465-9593 or book an appointment online.

Toronto Office

We know that it can be hard to get your finances back on track. Sometimes filing for bankruptcy in Toronto can be your only option. Our helpful and trustworthy Licensed Insolvency Trustees will help you find the right solution for your financial needs regarding bankruptcy in Toronto. We speak both English & Greek. To speak with one of our trustees in Toronto for an initial consultation, call today!

Your estate manager in Toronto

Mary joined the Harris & Partners team in 1987 and has been providing exceptional and personalized bankruptcy and proposal services in the Greater Toronto Area ever since.

Mary’s business major lies specifically in Consumer Behaviour which has allowed her to develop a very unique and individual service style.

In addition to being fluent in Greek, Mary’s years of experience are strengthened by her ability to place herself in her client’s shoes to ensure a sincere environment of genuine care and concern. She offers them a solution that is beneficial to their creditors while still allowing her client the privilege of being able to regain their financial power.


658 Danforth Ave., Suite 205, Toronto, ON, M4J 1L6

How to get there

Transit: Take the Bloor-Danforth train towards Kipling. Exit at Pape. Follow signs for Pape Avenue, East Side. Walk 150 m to our office on Danforth.

Driving: Were located on the corner of Danforth Ave and Pape Ave.

Office hours

By appointment only:

Monday: 09:00 AM – 05:00 PM
Tuesday: 09:00 AM – 05:00 PM
Wednesday: 09:00 AM – 05:00 PM
Thursday: 09:00 AM – 05:00 PM
Friday: by appointment only

5 steps to debt relief in Toronto

Facing debt can feel endless if we don’t have a plan. To help lighten your load, we suggest using these five steps in your path to debt reduction in Toronto:

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Step 1. Create and stick to a budget

Creating a budget is the best first step you can take when tackling debt. Start by taking a look at your monthly outgoings and find areas where you can cut back a bit. Try to put aside at least 10% of what you earn each month. Doing this will help you:

  • Build up a fund to pay off debts
  • Have money on hand for surprise expenses
  • Start saving for your future
Get started with a debt relief solution
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Step 2. Prioritise the debts with the highest interest rates

If you have multiple debts, some will cost you more than others because of high interest rates. While you should always make at least the minimum payment on all your debts, direct any overpayments to the debts with high-interest first, since they grow faster over time.

Speak with a specialist
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Step 3. Shift your debts from high to low interest rates

One strategy to speed up debt reduction in Toronto is to transfer high-interest debts to accounts with lower interest rates. If you have a line of credit, you could use it to pay down high-interest credit card debt. You could even ask your bank to raise your credit limit to cover it.

If you own property, consider refinancing your mortgage or getting a second one to pay off higher-interest debts. This can bundle your debts into one lower-interest payment.

Speak with a specialist
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Step 4. Increase your income

If it’s possible, explore ways to boost your monthly income. When paying off debts, even the smallest amount can make a big difference. You might think about working some extra hours or maybe even picking up a second job. Alternatively, if you’ve got the space, housing a roommate or tenant could provide another stream of income to repay your debt with.

Take control now
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Step 5. Set up a personal payment plan

Repaying debt, like any other goal, requires a plan. Begin by figuring out what you specifically want to achieve in reducing your debt. Talking to a credit counselor can give you fresh tips on how to handle your finances better.

Make a calendar that shows when all your payments are due and how much you should pay. It’s also a good idea to set up automatic bill payments, so you can be sure you never miss a due date.

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Licensed Insolvency Trustee in Toronto

Times are tough and financial difficulty can be caused by many things; losing your job, health problems, or just living beyond your means. Regardless of how you accumulated the debt, the Toronto Licensed Insolvency Trustees at Harris & Partners Inc. can help you regain financial control and deliver you to financial freedom.

If you are overwhelmed with debt payments, obtain debt relief help today by calling the Licensed Insolvency Trustees at Harris & Partners in Toronto, Ontario. We’re qualified to answer any questions you may have about the best way to deal with your unmanageable debts, and your initial consultation with us is completely free.


Get professional debt help in Toronto

We understand that it can be hard to get your finances back on track and it’s sometimes even harder to ask for help. Don’t worry, our helpful and trustworthy Licensed Insolvency Trustees will find the right solution for your financial situation, discreetly and confidentially.

Our Trustees speak both English & Greek, so if you have any questions about bankruptcy in Toronto or any other method of debt management, then call our Toronto office today!

If you are trying to find solutions for your debt problems, you should know that bankruptcy is only one option. At Harris & Partners Inc, we can help you with more than just bankruptcy.

Our Trustees are legally qualified to provide suitable debt solutions for your unique situation and can work on your behalf to speak with your creditors to reduce the amount you need to pay them. Other solutions that we can help with include debt consolidation, consumer proposals and bankruptcy for corporate and personal financial problems, so don’t let debt ruin your life for another minute more – contact Harris & Partners Inc.

Bankruptcy and debt management in Toronto

If you’ve lost control of your debt and are worried about your financial future, you might be thinking bankruptcy is your only way out. Our Licensed Insolvency Trustees have years of experience in helping people gain financial independence, without the need for bankruptcy. Ask yourself the following questions:

  • Do I need to use my credit card(s) to pay for everything, even day-to-day essentials?
  • Can I only afford to make the bare minimum payments on my credit card(s)?
  • Are any payments I make made redundant by interest charges?
  • Do I often need to borrow money just to get by?
  • Are my outgoings more than what I have coming in?
  • Have I received ‘red warning letters’ from my creditors?
  • Have I lost sleep worrying about my debts?
  • Are my debts affecting my physical and mental health?

If you answered yes to any of these questions, get in touch with our team today. We can talk you through your options and help you on your way to financial freedom.

Frequently asked questions

Alternatives to bankruptcy in Toronto

A consumer proposal is the most popular alternative to bankruptcy in Toronto. By allowing a Trustee to negotiate on your behalf with your creditors, a consumer proposal can be filed that will require you to only pay back a portion of your debts, freeing up valuable additional money for you each month. We specialize in Toronto consumer proposals, so contact us today to learn more.

What debt management services do you offer?

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

Let the Toronto Licensed Insolvency Trustees at Harris & Partners help you regain financial control. Fill in the form below and take advantage of our FREE initial consultation offer.

What is a consumer proposal?

A consumer proposal can be used as an alternative to bankruptcy, if your debts aren’t too high. By allowing one of our expert Insolvency Trustees to act on your behalf, they can negotiate with your creditors to accept a smaller monthly payment and write off the rest of the debt. This would free up more of your income and do less damage to your credit score than bankruptcy proceedings.

Get in touch with our Licensed Insolvency Trustees in Toronto today to learn more about how consumer proposals can help you.

How do I get debt help in Toronto?

If you help with your debt in Toronto, you can count on Harris & Partners for professional, compassionate guidance. We are fully qualified to provide a wide range of debt solutions and work with your creditors to reduce your overall debts. Our solutions include, but are not limited to:

  • Debt consolidation
  • Consumer proposals
  • Corporate insolvency
  • Bankruptcy

If you have been affected by debt and want to know how to reduce them or even have them completely written off, let the Toronto Licensed Insolvency Trustees at Harris & Partners Inc. help you regain financial control.

Are Debt relief programs a good idea?

Debt relief programs can be a beneficial tool for individuals struggling to manage their debts. However, it’s important to consider the potential effects on your credit score and ensure the program fits your unique financial situation. Always conduct thorough research, or get in touch with our professionals to talk through your options.

Can debt relief help with student loans in Toronto?

Yes, debt relief programs can help manage student loans in Toronto. Consumer proposals, for example, allow you to group your student loan debt, along with other debts, into a more manageable monthly payment.

The type of debt relief solution that suits you comes down to your individual circumstances – no two debts are the same. Student loans’ inclusion in debt relief have very specific restrictions, it is best to inquire with one of our professionals to learn more.

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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.

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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.