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Tax Debt Help in Canada

Is your tax debt mounting? Don’t let it take over – contact our team today and take back control of your finances. A debt-free life is just a call away.

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Managing back taxes and tax debt

Tax debt is a problem that can sneak up on you very quickly. It can cause you headaches in the present and in the future if you don’t know how to deal with it. Luckily, there is debt help available from a Licensed Insolvency Trustee (LIT) such as Harris & Partners Inc.

What is tax debt?

Tax debt results from owing money on your income taxes after you have filed your tax returns. Generally, you should be able to work out a payment plan with Canada Revenue Agency, but in the event that you are not, other options are available.

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What are your tax debt relief options?

The first step to dealing with tax debt is to file any outstanding tax returns. Many people feel overwhelmed and confused by doing this, but you don’t need to worry – there are several options available to help, including software and CRA guides.

It is important to file even if you think you owe money. Failing to file your taxes properly can incur additional fees, leading to a greater amount owed. If you find that your debt is over $10,000, then you should get an accountant or tax preparer to review your returns and ensure you are taking advantage of all the possibilities under the Income Tax Act to reduce what you owe. If you are genuinely unable to pay at all, then you have a few options available to you:

Apply to the CRA under Taxpayer Relief Provisions
File a consumer proposal
File for bankruptcy

Get started today

Example Savings: Tax 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

National Student Loans $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 debt repayment calculator

Get a free debt repayment plan tailored to your needs

Expert support from Licensed Insolvency Trustees

Your Information is safe & confidential

Step 1: Your debt

Your plan

Your Information is safe & confidential

Helping Canadians with tax debt relief and more

Car Loan Debt Help

Bankruptcy for car loans

Consumer proposals for car loans to you

Alternative car financing options

Credit Card Debt Help

Student Loan Debt Help

Payday Loan Debt Help

Line Of Credit Debt Help

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

Expert tax debt advice from Harris & Partners

Are you starting to feel the weight of your tax debt? Our Licensed Insolvency Trustee can help you lighten the load.

No matter what route you choose, you can rest assured we will always have your best interests and financial freedom in mind. From consumer proposals to filing for bankruptcy, we can help you find the best debt solution available.

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

Send us a message

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   Harris & Partners Inc.
   2226 Google reviews 
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      Posted on Google  
   
   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
  
 
     Posted on Google  
   
   Triena Bishop 
 5 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have had the pleasure to work with Radman during this extremely difficult time in my life. With the cost of everything skyrocketing, Radman walked me through, step by step this entire process. He has checked in to make sure im okay during this stressful time, we didnt even speak about the consolidation, just letting me know im not alone and doing what I need to do for my kids. This man has a heart of gold and keeps the human aspect of his job. I wouldn't have been able to maneuver through this without him. You have a genuinely kind person on your team. This man will be in my prayers everynight, just thanking him for being so kind in such a harsh world today.
  
 
     Posted on Google  
   
   Alannah Kruizenga 
 5 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Honestly if I could give 10 stars I would. I appreciate this company for being patience with me. I felt like I was in a hole I couldn't dug my way out. They gave me no judgement for my situation;moreover, just guidance and support through this process.  I had a baby and it took me away from work and I found myself in a pickle. Thank you for helping feel less stress about finances.
  
 
     Posted on Google  
   
   Ruth Planta 
 2 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very informative and practice good customer care
  
 
     Posted on Google  
   
   Pierre Michel Gregoire 
 17 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. So far very promp service. Great communication
  
 
     Posted on Google  
   
   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.
  
 
     Posted on Google  
   
   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.
  
 
     Posted on Google  
   
   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.
  
 
     Posted on Google  
   
   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.
  
 
     Posted on Google  
   
   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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