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Secured Debt Help in Canada

If you’re feeling overwhelmed by mortgage payments, auto loans, or other secured financial obligations, you’re in the right place. Our goal is to provide you with the insights and tools you need to regain control of your finances, explore relief options, and pave the way to financial stability. Let’s navigate the world of secured debt together, taking the first step toward a debt-free future.

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Finding your way through secured debt

Tackling secured debt can be tough, and we get how stressful it can be. Whether it’s your mortgage, car loan, or any other financial obligation, it can feel like a heavy burden. The worry of making those monthly payments and the fear of losing your home or vehicle can be overwhelming.

But you don’t have to go through this alone. We’ve helped countless people deal with all kinds of debt for many years. Your financial well-being is crucial to us, and we’re here to support you every step of the way.

Take the first step towards financial independence – give our team a call today.

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Get secured debt help - it’s a simple process


We’ll take the time to understand your situation without judgment. You can talk about your concerns, your income, and the details of your secured debt, like who you owe money to and how much. Rest assured, our conversations are always confidential.


Once we know your situation, we’ll explore the choices you have for dealing with your secured debt. Together, we’ll look at all the ways to find relief, focusing only on the options that you feel comfortable with. Your well-being is our top priority, and we won’t rush or pressure you into making any decisions.


Ready to take the next steps? We’ll start your customized plan. Our main goal is your financial freedom, and we’ll be here to support you every step of the way.

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 signs of mounting secured debt

If you’re concerned that you or someone you care about is struggling with mounting secured debt, here are some key indicators to watch for:

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Sign 1. Extra lines of credit

Using credit cards, loans, or other forms of credit to cover regular secured debt payments is a big indicator of deeper financial challenges.

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Sign 2. Avoidance

Avoiding talks about secured debts or financial matters may be a sign of underlying financial difficulties.

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Sign 3. Missing payments

As the pressure of secured debt increases, you might find yourself tempted to prioritize other bills or even skip secured debt payments to manage other financial obligations.

Speak with the team
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Sign 4. Mental health

Experiencing heightened anxiety, stress, or an overwhelming weight on your shoulders? Secured debt can significantly impact your mental health.

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Sign 5. A change in relationships

Feelings of shame and stress can strain relationships. Instead of letting debt drive a wedge between you and loved ones, consider seeking support and guidance.

Help me take control
Medical Debt Dominoe Effect

Sign 6. A domino effect

A sudden change in income, an illness, or unexpected events can trigger a chain reaction of secured debt issues. Don’t wait for them to escalate; take action proactively.

Call for help

Secured 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

Our experienced Licensed Insolvency Trustees are ready to support you in managing your secured debt. They’re your partners in helping you regain your financial peace. You don’t have to navigate the complexities of secured debt alone. We’ll work closely with you, creating personalized plans and providing unwavering 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

Secured Debt Relief FAQs

What is secured debt?

Secured debt uses valuable assets like your house, car, or boat as collateral. If you default on the loan, the lender can seize and sell the asset to recoup the debt.

What are the advantages of secured debt?

Some advantages of secured debt include:

  • Lower interest rates: Secured loans typically offer lower interest rates than unsecured loans due to the lower risk for the lender.
  • Higher borrowing limits: You may qualify for larger loan amounts with secured debt due to the collateral involved.
  • Improved credit score: Making timely payments on secured debt can help build your credit score.

What are common types of secured debt?

Common types of secured debt include:

  • Mortgages: Used to finance the purchase of a home.
  • Auto loans: Used to finance the purchase of a car.
  • Home equity loans/lines of credit: Use the equity in your home as collateral to borrow money.

Should I consolidate my unsecured debt into a secured loan?

You could consider consolidating your unsecured debt into a secured loan if:

  • You have high-interest unsecured debt: Replacing it with a secured loan with a lower rate can save money.
  • You can afford the monthly payments: Consolidating might increase the payment amount, so ensure you can handle it.
  • You have good credit and valuable collateral: This helps secure a favorable interest rate.

Before consolidating into a secured loan, you need to be sure that it’s the right choice for you. Give our team a call and we will work with you to find the best debt solution for your specific situation. If a secured loan is the way to go, we will help you find trustworthy people to start the process with.

Take your first step to financial freedom

Dealing with unsecured debt can feel overwhelming, but it doesn’t have to control your future. We know that taking the first step can be tough, but reaching out to our team can be the key to a brighter financial future. Together, we’ll create a personalized plan to help you become debt-free and financially secure. Your financial well-being is important to us, and we’re here to assist you every step of the way.

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Where you can find our secured debt relief services in Canada

No matter where you live in Canada, our secured debt relief services are always nearby. We understand how stressful it can be to deal with secured debts – our local teams have the experience and knowledge needed to help you find the best solutions.