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Medical Debt Help in Canada

Has an unexpected health issue left you with medical debt you can’t afford? Call our team today, and we’ll give you a plan to live debt-free.

Get a Free Debt Repayment Plan

Safe, secure & confidential

Finding your way through medical debt

We understand that grappling with medical debt is a burden that can feel overwhelming, impacting your health and financial well-being.

Medical debt needs to be addressed as soon as you see it’s a problem. It not only affects your peace of mind but also jeopardizes your financial stability. Ignoring it may lead to harassing calls from collectors or even legal action, only adding to your stress.

With years of experience, we specialize in medical debt solutions. Our team is well-versed in the complexities of medical billing, insurance claims, and negotiations with healthcare providers. We provide tailored, compassionate support, ensuring your medical debt is managed effectively.

Your wellbeing is always our number one priority, and we’re dedicated to helping you regain control of your life. Don’t face medical debt alone. Contact our friendly team today for a brighter, debt-free future.

Speak with a specialist

Get medical debt help - it’s a simple process

Consultation

Medical debt comes with unique challenges. That’s why we take the time to fully understand your specific situation, offering a judgment-free, safe space for you to share your experience. We’ll need to know some specifics, including your income, the nature of your medical debt and who you owe – but don’t worry, this is all strictly confidential and will never be shared.

Options

Once we have a comprehensive view of your medical debt, we’ll work with you to create a customized plan. This involves exploring every available debt relief option, only pursuing the ones you feel comfortable and happy with. At Harris & Partners, we prioritize your well-being and will never pressure you into decisions.

Solution

When you’re happy with the plan, we put it into action. Your financial well-being remains our top priority, and you can trust us to provide unwavering support and reliable guidance throughout the process. At Harris & Partners, we’re with you every step of the way as you work towards freeing yourself from the burden of medical debt.

Take control today

Get medical debt help - it’s a simple process

Consultation

Options

Solution

Take control today

        
   Harris & Partners Inc.
   2299 Google reviews 
  Write a review 
 
 
 
   
 
 
      Posted on Google  
   
   marg bergen 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I would recommend them because they treat you well , respond to questions quickly by email  and resolve issues and help with your debt successfully!
I thing, they couldn't find one of my creditors, Lendcare, which caused issues with my bank payments and it took time and emails to fix the issue.  I had to call my creditors to find their legal  name for them to make my payments stop. This all caused nsf fees in my account and many collection calls to my home to which Harris and Partners told me just don't answer.
  
 
     Posted on Google  
   
   Donna Morrissey 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. The staff at Harris & Partners Inc. Have been very helpful in finding the right debt solution for my specific needs. They were very patient eith my many questions and conducted themselves with professionalism and empathy. I would highly recommend their services.
  
 
     Posted on Google  
   
   Lucy Plummer 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I was overwhelmed with debt and worry.
I decided to find out how to help myself get out of a bad situation ,so I read reviews and decided to talk to a representative of Harris and partners. Thank goodness I did , they were compassionate,  kind, not judgemental and helped me come to an agreement with all my debt.
I can sleep at night once again.   Thank you for all the help.
  
 
     Posted on Google  
   
   Amanda Spring 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very great service! I appreciated the great lengths that were made in order to make my life easier!! Thank you for helping me with my debt and giving me relief and peace of mind !
  
 
     Posted on Google  
   
   Abhiegayle Catahina 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. After Harris and partners helped me with my financial situation,my life returned on track,no more stress about how to my bills.now I started to save again and I can pay my bills on time now without stress.
  
 
     Posted on Google  
   
   Annet Fuller 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I was in debt I was miserable don’t know what to do until I come across  Harris& partners inc they help me now I’m living my best life thank you Harris& partners
  
 
     Posted on Google  
   
   Tommy Raven 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. +0
Loved all of how they dealt with the while deal and even when I wasnt making much miney they adjusted to my budget , love u guys
  
 
     Posted on Google  
   
   Janet Boudreau 
 4 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very pleased how easy they made everything for me, I feel very good about choosing Harris & Partners. I would 100% recommend them to friends and family
  
 
     Posted on Google  
   
   Joanne Weir 
 3 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Right from the start of initial call, intake, advisor, and my followup lessons and consultations, I have been treated with respect, understanding, and compassion.
Once signed and in place I had a relief run thru me. There is now a light at the end of the tunnel. Yes, it is long but there is an end.
All individuals I have dealt with hae been kind.
I would recommend using this company.
  
 
     Posted on Google  
   
   Sylvia Bourque 
 3 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. +0
I had great people to talk to and understood my situation. Didn't want to do this but after telling my story, I felt better about doing it.
Thanks for making me feel proud and happy again.
  
 
 
  
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Example Savings Medical debt relief

Your Potential Debts:

Personal Income Tax $14,078.28

Amex $10,828.36

BMO Overdraft $2,945.54

Bell Phone Arrears $928.36

MoneyMart Payday Loan $1,524.87

Medical/Dental Bill $7,985.12

Total amount owed: $38,290.53

Your monthly repayments over a 60-month period would be

Before Help

$1,409

After Help

$210

Monthly payments are determined based on individual financial factors

How Much Could I Save?

Free medical debt repayment calculator

Get a free medical debt repayment plan, tailored to your specific needs.

Expert support from Licensed Insolvency Trustees

Your Information is safe & confidential

Step 1: Your debt

Your plan

Your Information is safe & confidential

The six warning signs of medical debt

If you’re worried that you or a loved one is struggling with medical bills and repayment, there are a few key things you can look out for:

Sign 1. Extra lines of credit

Meet with one of our Licensed Insolvency Trustees (previously known as Trustees in Bankruptcy), to help us understand your financial situation

Take control today

Sign 2. Avoidance

Ever noticed that you or a loved one automatically avoids talking about medical debt, or finances in general? This avoidance can be a big indicator of larger struggles.

Get started

Sign 3. Missing payments

As the stress of medical debt grows over time, it’s easy to prioritize other payments, miss payments or even avoid them to help you pay other bills.

Speak with the team

Sign 4. Mental health

If you’re struggling with the weight of medical debt, you may be feeling symptoms of stress, anxiety or overwhelm – medical debt can have a detrimental effect on your mental health.

Get debt help

Sign 5. A change in relationships

Debt is something no one should face alone, though so often is. The shame and stress can cause people to push their loved ones away, or even lose their temper and patience quickly.

Help me take control

Sign 6. A domino effect

If you stopped working due to illness, reducing your income and building your medical debt, this could have a rollover effect, resulting in maxed-out credit cards or other extensive loans.

Call for help

Browse debt 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 most collection action
Usually keep your assets
Avoid bankruptcy

Bankruptcy

A last resort when other options won’t work. Some debts, such as support payments and court fines, aren’t released.

Wipe out most unsecured debt
Keep assets protected by provincial law
Support from your trustee throughout

Debt Consolidation

A loan from a bank or lender that combines several debts into one payment.

One payment instead of several
May lower your interest rate
Doesn’t reduce what you owe

Not available through Harris & Partners.

Debt Management Plan

A non-profit credit counsellor arranges one monthly payment to your creditors, usually over up to 5 years.

You repay the full amount owed
Interest may be reduced
Creditors don’t have to agree

Not available through Harris & Partners.

Credit Counselling

Non-profit credit counsellors help you understand your finances and build a budget.

Work out what you owe
Plan a budget
Learn money management skills

Not available through Harris & Partners.

Debt Settlement

Private companies negotiate a lump-sum payment with your creditors, who don’t have to agree. They aren’t Licensed Insolvency Trustees

Not regulated under the BIA
No legal protection from creditors
Fees often charged upfront

Not available through Harris & Partners.

Corporate Bankruptcy

An orderly way to close a company that can’t be rescued. Directors may still be personally liable for some debts.

Orderly wind-down of the company
Assets sold by the trustee
Ends creditor claims against the company

Division I Proposals

For businesses, and for individuals whose debts (excluding their mortgage) are over $250,000. Change the terms of your debt by reducing what you owe, extending the repayment period, or both.

Repay part of your debt over time
Keep your business or assets
Avoid bankruptcy

Corporate Insolvency

Options for a business that can’t pay its debts, from restructuring to an orderly wind-down.

Restructure through a Division I proposal
Protect jobs where viable
We’ll assess every option

†Some debts, such as support payments, court fines and student loans less than 7 years old, are not released by bankruptcy.

*Harris & Partners is a Licensed Insolvency Trustee. We file consumer proposals and bankruptcies, and we’ll explain every option, but we don’t provide credit counselling, debt management plans, consolidation loans or debt settlement.

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

Our Licensed Insolvency Trustees are here to help you tackle medical debt

With our Licensed Insolvency Trustees at your side, you don’t have to face the stress of medical debt alone. They specialize in helping you effectively manage your medical debt, providing tailored solutions and professional support every step of the way.

Jay T. Harris

FCPA, CIRP, LIT

Licensed Insolvency Trustee
Kyle Harris

LL.B., CIRP, LIT

Licensed Insolvency Trustee
Adam Fisher

CPA, CIRP, LIT

Licensed Insolvency Trustee
Joshua Harris

BCOMM., MIB, CIRP, LIT

Licensed Insolvency Trustee
David Adams

Licensed Insolvency Trustee
Doug Loiselle

Licensed Insolvency Trustee
Robert McLernon

BComm, CIRP, LIT

Licensed Insolvency Trustee
Shelley Koehli

Licensed Insolvency Trustee
Jill Strueby

Licensed Insolvency Trustee

Medical Debt FAQs

Can you go to jail for not paying medical bills?

No. Canada removed debtor’s prison time centuries ago. You cannot be jailed for owing money on civil debts like medical bills. However, ignoring court orders related to the debt can lead to arrest.

What happens if you don't pay hospital bills in Canada?

If you don’t pay a medical bill in Canada, the amount will usually increase due to interest rates. Unpaid bills can be sent to collections and it will have a negative impact on your credit score.

Does medical debt exist in Canada?

Yes, medical debt exists in Canada, though the public healthcare system covers most essential services. You may incur debt for uncovered services, prescription medication, or private healthcare choices.

Am I responsible for my spouse's medical debt?

In Canada, spouses are not automatically responsible for each other’s debts, including medical bills. However, depending on marital property laws and joint financial arrangements, there may be exceptions.

Can medical debt affect your credit?

Unpaid medical bills sent to collections can negatively impact your credit score. Making timely payments or setting up a payment plan can help protect your credit.

Take your first step to financial freedom

Dealing with medical debt can be really hard, but you don’t have to face it alone. Take the first step today and give our team a call. Together, we can get you on the path to a positive financial future.

Contact information

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