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Medical Debt Help in Canada

We understand that medical debt can feel overwhelming, but you’re not alone. Our dedicated team specializes in navigating the complexities of medical debt, offering tailored solutions that prioritize your well-being. Together, we can relieve the burden of medical debt and pave the way to a healthier financial future.

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Safe, secure & confidential

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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.

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Get medical debt help - it’s a simple process


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.


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.


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.

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.

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:

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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
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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
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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
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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
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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
Medical Debt Dominoe Effect

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

Medical Debt Relief - Your Options

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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.

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 harris
    Jay T. Harris
    Licensed Insolvency Trustee
  • kyle
    Kyle Harris
    LL.B., CIRP, LIT
    Licensed Insolvency Trustee
  • adam
    Adam Fisher
    Licensed Insolvency Trustee
  • Joshua Harris
    Joshua Harris
    Licensed Insolvency Trustee
  • advisor
    David Adams
    Licensed Insolvency Trustee
  • doug
    Doug Loiselle
    Licensed Insolvency Trustee
  • Rob McLernon
    Robert McLernon
    BComm, CIRP, LIT
    Licensed Insolvency Trustee
  • shelley
    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.

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Where you can find our medical debt relief services in Canada

We work all across Canada, so you can rest easy knowing our medical debt help services are never far away.