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Debt solutions in Winnipeg: Your path to financial freedom

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Personalized debt relief services in Winnipeg

Feeling overwhelmed by debt in Winnipeg? You’re in good company, and we’re here to support you through this.

We understand how challenging managing debt can be, and we’re all ears, ready to find a solution that fits your needs.

Our experienced Licensed Insolvency Trustees have successfully helped many Winnipeg residents find financial stability. There’s no reason to face this alone.

From exploring consumer proposals, to assessing the option of bankruptcy, we’re with you every step of the way.

Our Debt Management Solutions

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Debt help in Winnipeg - it’s a simple process

Initial Consultation

Let’s have an open and supportive conversation about your financial situation. We’ll need details about your income, debts, and creditors to provide tailored advice. We know this sounds daunting, but don’t worry – our initial consultations come at no cost and are confidential and judgment-free.

Exploring Your Options

With a clear understanding of your financial state, we’ll work together to identify the best path forward. We consider various debt management strategies, always respecting your comfort and choices. Our role is to guide, not pressure.

Implementing the Plan

Once you’re comfortable with the plan, we’ll set it in motion. This will support your financial wellbeing, simplify your journey, and bring you peace of mind.

Five steps to being debt free in Winnipeg

We know how overwhelming the weight of debt can feel. But don’t worry – there are some simple steps you can take to help you regain financial control:

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Step 1. Establish and follow a budget

Assess your monthly expenses to find places where you can cut back. Aim to save about 10% of your income each month, crafting a budget that’s realistic for your lifestyle.

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Step 2. Tackle high-interest debts first

Prioritize paying off debts with the highest interest rates while maintaining at least the minimum payments on your other debts.

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Step 3. Find lower interest alternatives

Consider consolidating your high-interest debts into a line of credit, which often features lower interest rates, potentially saving you money in the long term.

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Step 4. Boost your income

Explore ways to increase your monthly income, even if it’s modest – every bit counts.

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Step 5. Develop a payment plan

Set clear goals for yourself and your debt repayment. Speaking with a credit counselor can give you some fresh ideas on how to do this.

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Get debt relief from bankruptcy trustees in Winnipeg

If you’re looking for bankruptcy Trustees or are considering entering into a consumer proposal to get you out of debt, look no further. The Winnipeg branch of Harris & Partners Inc. is proud to offer the same debt restructuring services that our other locations are known for.

With our office conveniently located on Portage Avenue, Winnipeg, we’re easy to find and our friendly, knowledgeable team can help you with any debt problems you may be facing.

If you’re considering bankruptcy in Winnipeg or any other form of debt restructuring, our experienced bankruptcy Trustees are ready to develop a unique debt-relief plan for you. If you or a loved one are in need of debt solutions in Winnipeg and need assistance with a financial situation, get in touch with our LIT’s.

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Licensed insolvency trustee in Winnipeg

With the cost of everything rising and wages not keeping up with the rate of inflation, there are many people who have fallen on hard times and have ended up accumulating unmanageable debt. Whether it has been caused by unexpected problems, such as health problems, or more conventional problems, such as living beyond your means, spiralling debt has the same effect on you; stress, worry, and a sense of helplessness.

But, there is hope. Let the Licensed Insolvency Trustees at Harris & Partners Winnipeg help you regain financial control. Don’t feel overwhelmed for a minute longer than you need to – tap the button below, book a free consultation with a Trustee, and let’s get you back on the road to financial security once more.

Winnipeg office

For those considering filing for bankruptcy in Hamilton or simply wishing to speak with a Licensed Insolvency Trustee in Winnipeg, Harris & Partners Inc. is the firm to trust. With over 50 years of experience in solving people’s financial dilemmas, our friendly staff will be happy to answer any and all questions about your unique financial predicament. Schedule a consultation and our administrators can provide you with the best advice for your situation.

Your estate manager in Winnipeg

Adam joined Harris & Partners Inc. in 2008 after 8 years at Ernst & Young. He obtained his CA designation in 2003 and received his license to practice as a Licensed Insolvency Trustee and Restructuring Professional in 2007.

Adam is focused on providing his expertise to fixing mid and small-market enterprises and to consumers experiencing financial difficulties. Adam’s main goal is to help his clients overcome their financial obstacles and achieve what they initially set out to do.


201 Portage Avenue, Winnipeg, Manitoba, R3B 3K6, Canada

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: 09:00 AM – 05:00 PM


Debt restructuring: Identifying the warning signs

It’s important to recognize the signs that your debt is out of control. Knowing the danger signs gives you the advantage in solving the problem before it turns into an even bigger issue. If you think you might be close to filing for bankruptcy, ask yourself the following questions:

  • Are you using your credit card(s) to pay for everything?
  • Is your credit card balance not coming down because you’re only making the minimum payments every month?
  • Are you constantly needing to borrow money just to get by day-to-day?
  • Have your creditors repossessed your possessions?
  • Have your creditors sold your debt or placed your account with a collection agency?
  • Are you constantly worried about paying your bills?
  • Do you dread the post coming every day for fear of opening final warning and litigation demands?

If you answered yes to any of these questions or recognize any of those warning signs in your life, you may be headed towards bankruptcy. Debt can be overwhelming, but we’re here to prove that getting out of debt and living within your means is far from impossible. Harris & Partners are here to help.

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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

Are consumer proposals a good alternative to bankruptcy?

Depending on the amount and type of debt that you have, you may not have to file for bankruptcy in Winnipeg. A popular alternative is to file a consumer proposal, which is where we negotiate with your creditors to accept a reduced payment from you in order to reduce your overall outgoings. Consumer proposals are a good way to retain your credit rating while still paying off debt, so contact the Harris & Partners Trustees to learn more about consumer proposals in Winnipeg today.

How long does the bankruptcy discharge process in Winnipeg take?

If you are applying for bankruptcy for the first time, you will normally be discharged after 9 months (but it will remain on your credit score for much longer). If you have applied for bankruptcy in the past, it can take up to 3 years to discharge you from the process.

How long will bankruptcy appear on my credit score?

Typically, bankruptcy will appear on your Equifax and TransUnion credit reports for 6 years. During this time you will find it difficult to apply for credit as you are seen as a risk to lend to. Any offers of credit that you do receive are likely to have much higher interest rates than you have previously enjoyed.

Contact information

It's never too late to obtain debt help. Book your free consultation today

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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.

Debt Relief in Winnipeg & Across Canada: Local Expertise, National Reach