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Specialist Phone Bill Debt Help

We know dealing with phone debt can be really tough, but you’re not on your own. Our team is here to help you through it, with solutions that work for you and your situation. Let’s work together to ease the stress of phone debt and move towards a brighter financial future.

Get a Free Debt Repayment Plan

Safe, secure & confidential

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Finding your way through phone debt

Dealing with phone debt can be really hard, affecting both your mental peace and financial health. That’s why it’s so important to get on top of your phone debt as soon as you can.

It’s not just about being stress-free; it’s crucial for maintaining your financial health. Letting it slide can lead to endless calls from debt collectors and potentially even legal trouble, which only makes things worse.

Our team has extensive experience in handling phone debt. We know all about phone bills, negotiating with service providers, and finding the best way forward for you. We’re here to offer personalized, understanding support to manage your phone debt effectively.

Your well-being is our top concern. We’re committed to helping you take back control. Don’t tackle phone debt by yourself. Get in touch with us for a future free from phone debt worries.

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Get phone debt help - it’s a simple process


Phone debt can be tricky, and we get that. We start by listening to you in a no-judgment, safe environment. We’ll need some details like your income, the details of your phone debt, and who you owe money to. Don’t worry, though – everything you tell us is completely private and won’t be shared.


With a full picture of your phone debt situation, we’ll help craft a plan that’s just for you. We’ll look at all the ways to manage your debt and go with the options that you’re most comfortable with. At Harris & Partners, your comfort and well-being are what matter most, and we won’t push you into anything you’re not ready for.


Once you’re all set with the plan, we’ll get it rolling. Your financial health is our main focus. You can count on us for solid support and advice every step of the way. At Harris & Partners, we’re committed to helping you break free from phone 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 phone debt

If you’re concerned that you or someone close might be struggling with phone bill payments, here are some signs to watch for:

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Sign 1. Relying on Extra Credit

Using credit cards, other loans, or overdrafts to make ends meet can be a sign of underlying phone debt issues.

Take control today
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Sign 2. Avoiding the topic

If you or someone you know dodges conversations about phone bills or finances in general, it could indicate a deeper problem.

Get started
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Sign 3. Missing payments

When phone debt starts piling up, it’s common to miss or even skip payments, especially when juggling other bills.

Speak with the team
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Sign 4. Mental health

The stress from phone debt can lead to anxiety, stress, or a feeling of being overwhelmed, impacting mental well-being.

Get debt help
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Sign 5. A change in relationships

Dealing with debt can be isolating, often causing strain in relationships, leading to withdrawal or quick tempers.

Help me take control
Medical Debt Dominoe Effect

Sign 6. A domino effect

A situation like illness leading to reduced income can exacerbate phone debt, potentially spiraling into more extensive financial troubles.

Call for help

Phone 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 phone debt

Our Licensed Insolvency Trustees are here to ensure you’re not alone in tackling phone debt. They’re experts in finding effective ways to manage your phone debt, offering personalized solutions and ongoing professional help.

  • 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

Phone Debt FAQs

Will cell phone debt affect my credit?

Yes, cell phone debt can affect your credit. Issues will be reported to your bureau before your debt goes to collections. At this point your debt would be reported and negatively affect your score. Paying late or defaulting can also raise red flags for future lenders.

Am I responsible for my spouse's cell phone debt?

In Canada, you’re typically not legally responsible for your spouse’s debts, including cell phone bills, unless you’re jointly liable on the account. However, joint accounts, shared finances, or co-signing responsibility can change this.

Do phone bills affect credit score Canada?

While phone bills typically don’t directly affect your credit score unless sent to collections, some services like “Experian Boost” allow reporting on-time cell phone bill payments to potentially improve your score.

What is the statute of limitations on cell phone debt in Canada?

The limitation period for collecting debt in Canada varies by province and can range from 2 to 6 years. This means creditors have that timeframe to sue you for unpaid debts. After that, they can no longer take legal action, but the debt may still impact your credit report.

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

If you don’t pay your phone bill in Canada, your service provider will likely attempt to contact you about the overdue payment. Late fees may be added, and service could be suspended or terminated. Unpaid accounts may also be sent to collections and reported to credit bureaus, ultimately damaging your credit score.

Take your first step to financial freedom

Confronting phone debt is tough, but you don’t have to do it by yourself. Take that crucial first step by reaching out to our team. We’re ready to work with you towards a brighter financial future.

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Where you can find our phone debt relief services in Canada

No matter where you are in Canada, our phone debt help services are readily accessible. We’re here to support you, any place, any time.