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Consumer Proposals For Car loans

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Car loan consumer proposals

Are you looking for an alternative solution to bankruptcy when it comes to your car loan debt? Harris & Partners Inc. can help you file a consumer proposal.

You are entitled to keep your car in a consumer proposal as long as you are current on your payments and you continue to make the regular payments.

If you keep the car, the first payment you make after filing a consumer proposal starts a new contract. If you keep the car but in the future you become unable to make the payments, the debt cannot be added to your consumer proposal.

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A consumer proposal is not the only alternative

A consumer proposal is not the only alternative for dealing with car loan debt. Learn about filing for bankruptcy for car loans or learn about how you can finance a car outside of an insolvency proceeding.

For all debt related inquiries, contact the Licensed Insolvency Trustees at Harris & Partners Inc. today with offices located across Canada.

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Other Debt Types

Car Loans

Bankruptcy for car loans

Consumer proposals for car loans to you

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Browse Debt Review Options in Canada

Consumer Proposals

Consumer proposals can be an alternative to bankruptcy that reduces debt and gives you more time to pay back creditors.

Legally stop creditors
Keep your assets & negotiate lower payments
Avoid bankruptcy

Bankruptcy

We will help you through the bankruptcy process every step of the way and guide you to a better financial future.

Wipe out most unsecured debt
Protect assets like your home
Last resort option

Corporate Bankruptcy

Corporate bankruptcy can be difficult to navigate, but we’ll help you through the maze, while also exploring other options too.

Restructure debt
Protect jobs for employees
Avoid liquidation

Corporate Insolvency

Restructure your debt and operations to secure your company’s future.

Navigate financial hurdles and protect jobs
Typically liquidate assets to pay off debts
Avoid corporate bankruptcy

Debt Consolidation

You consolidate various debts under one loan to pay back to creditors. This approach can help you save on interest over time.

Simplify repayments & reduce interest rates
Improve credit score
Gain control over finances, avoid multiple creditors

Debt Management Plan

Stay in control of your debts with a predictable, scheduled repayment plan. These plans can run for up to 5 years and aim to leave you debt-free at the end of the repayment period.

Potentially reduce payments
Avoid interest
Repay debt in agreed time frame

Division 1 Proposals

Division 1 Proposals let you change the terms of your debt, reducing the amount you owe and / or extending the repayment period.

Repay portion of debt over extended period
Retain assets
Avoid bankruptcy

Credit Counselling

Here, you’ll learn to pinpoint the causes of your financial issues and gain the tools to take back control of your finances.

Develop a personalized budget
Learn debt management strategies
Repair damaged credit

Debt Settlement

To settle your debt you can hire a company to negotiate with the creditor.

Potential for significant debt reduction
May damage credit score
Not guaranteed

Support across Canada

Why choose us for consumer proposals in Ontario?

Remove up to 80% of your debt

Our Licensed Insolvency Trustees can provide a customised consumer proposal that could shrink your debt by up to 80%.

Get debt help

Professional guidance in any language

Our multilingual team offers debt support in Farsi, Portuguese, Italian, Tamil, and more, so you can feel comfortable every step of the way.

Meet the team

Nationwide support

With offices in nine provinces, we offer in-person debt support across Canada—from Atlantic provinces to Ontario to British Columbia.

See our locations

Contact information

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

Phone number: 800-268-8093
Email: hello@harrispartners.ca

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   Harris & Partners Inc.
   2226 Google reviews 
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   Kim ONeill 
 7 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and judgment free
  
 
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   Ryan Jackson 
 6 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. great service. very understanding and accomodating people to deal with in the unfortunate event of insurmountable debt
  
 
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   Ruth Planta 
 2 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very informative and practice good customer care
  
 
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   Pierre Michel Gregoire 
 17 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. So far very promp service. Great communication
  
 
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   Erika DeBruyne 
 14 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Every star earned!  The staff at Harris and Partners have given me peace of mind by helping me become debt free and giving me hope.  Every person I have had interactions with has been professional,  helpful and kind. There has been no judgement. I really appreciate this team, a special thank you to Deandre and Samuel.
  
 
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   Alan Tuck 
 11 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Working with Harris & Partners made my life less stressful. Yasan was amazing to work with. He provided one on one consultation at anytime and was truly professional throughout.
  
 
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   kiranjit kaur 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a good experience with the debt relief agency. The team was professional, understanding, and explained the process clearly. I appreciated being able to ask questions without feeling judged, and the communication was helpful throughout the process.
Overall, I felt supported and would recommend them to anyone considering debt relief to do their research and see whether the service is right for their situation.
  
 
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   Satish Tiwari 
 9 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. They were a beacon and helped me to getting back on feet.
  
 
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   Ogie Amonte 
 4 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Easy to communicate to them.
Arsh Gavit
  
 
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   Mathew 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Harris & Partners. The entire process was handled professionally and with great care. I would especially like to appreciate Arsh Gavit for his excellent service, patience, and clear guidance throughout the process. He was always helpful, responsive, and made everything much easier to understand. Highly recommended!
  
 
 
  
 
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