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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.

Speak with a specialist

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 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

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.
   2233 Google reviews 
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      Posted on Google  
   
   Sucel Fernández 
 26 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very supportive and professional team since the beginning of the process.  They answer all your questions and provide the best options according to your personal situation. It has been great working with them, 100% recommend.
  
 
     Posted on Google  
   
   Randy Weinzweig 
 23 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Yasan has been a great help through this difficult process making things as seamless as possible.
  
 
     Posted on Google  
   
   Deannie Purdy 
 19 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Vala was awesome un helping us everything went very smooth this company is very understanding
  
 
     Posted on Google  
   
   Christian Castillo 
 13 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. They provided great service and support, making the consumer proposal process easy and guiding me step by step. I appreciated their professionalism, patience, and help during a stressful time. I highly recommend them to anyone seeking a fresh financial start.
  
 
     Posted on Google  
   
   Laverne Jackson 
 10 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Harris & Partners Consumer Proposal process.
Vlad, my intake administrator was amazing. He patiently guided me through the propane explain ed things clearly.
Vlad’s communication was excellent and he constantly followed up to ensure everything went well.
Thank you Vlad and team for your assistance and professionalism
  
 
     Posted on Google  
   
   T S 
 9 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Good service overall! Everything went smoothly, but I have to deduct one star. For a company that claims to be professional, they didn't bother to correct my name. They listed my middle name as my last name, and when I spoke to Samuel via Google Meet, he promised to fix it. However, the new document I was asked to sign still had the same mistake, which they failed to correct. It was a simple fix they ignored. I also messaged Ali, but nothing was changed. Not a great impression.
  
 
     Posted on Google  
   
   Kim ONeill 
 7 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and judgment free
  
 
     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  
   
   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
  
 
 
  
 
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