Home » Types of Debt » Unsecured Debt Help Canada

Unsecured Debt Help in Canada

Whether it’s credit card debt, personal loans, or other forms of debt causing you stress, we’re here to provide straightforward help you can rely on. Our goal is to empower you with the knowledge and tools to regain control of your finances, explore relief options, and work towards financial stability. Let’s navigate the world of unsecured debt together, taking the first step towards a debt-free future.

Get a Free Debt Repayment Plan

Safe, secure & confidential

Finding your way through unsecured debt

We understand how stressful managing unsecured debt can be – no matter the type, this debt can quickly become overwhelming. But you’re not alone on this journey. With years of experience helping people overcome all sorts of debt, we’re here to support you.

Your financial independence and well-being matter to us. In this section, we’ll provide practical tips and insights to help you manage your unsecured debt effectively. It may seem challenging, but remember, you don’t have to go through it alone.

Taking this step towards financial freedom is a positive move. Together, we’ll create a personalized plan to help you become debt-free and financially secure. Your financial well-being is our priority, and we’re here to help you achieve it.

Speak with a specialist

Get unsecured debt help - it’s a simple process

Consultation

We’ll dedicate time to understanding your situation without judgment. This means we’ll need information on your finances, income, and the specifics of your unsecured debt, including your creditors and outstanding amounts. Be assured, our conversations remain confidential.

Options

Once we grasp your situation, we’ll explore the debt solutions available to you. Together, we’ll consider various relief options, focusing on those you’re comfortable with. Your well-being is our primary concern, and we won’t hurry or pressure you into making decisions.

Solution

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.

Take control today

Get unsecured debt help - it’s a simple process

Consultation

Options

Solution

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.

Take control today

       
   Harris & Partners Inc.
   2231 Google reviews 
  Write a review 
 
 
 
   
 
 
      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  
   
   Naomi Hansen 
 19 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. This was a great experience and easy.  I was ashamed to have to do this but they made me feel comfortable and feeling better that I did the right thing.
  
 
     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
  
 
 
  
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Example Savings: Unsecured loan 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 unsecured debt repayment calculator

Get a free debt repayment plan, tailored to your specific needs.

Expert support from Licensed Insolvency Trustees

Your Information is safe & confidential

Step 1: Your debt

Your plan

Your Information is safe & confidential

The six signs of mounting unsecured debt

If you’re worried about yourself or someone you care about struggling with mounting unsecured debt, keep an eye out for these key warning signs:

Sign 1. Extra lines of credit

Using credit cards, loans, or other credit sources to cover regular unsecured debt payments could be a clear sign of further financial struggles.

Take control today

Sign 2. Avoidance

Avoiding conversations about debts or financial matters can signal underlying financial difficulties.

Get started

Sign 3. Missing payments

As the pressure of unsecured debt increases, you might be tempted to prioritize other bills or even skip unsecured debt payments to manage different financial obligations.

Speak with the team

Sign 4. Mental health

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

Get debt help

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

Sign 6. A domino effect

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

Call for 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

Our Licensed Insolvency Trustees are here to help you

Our experienced Licensed Insolvency Trustees are here to help you manage your unsecured debt. They’re your partners in restoring your financial peace. With us, you don’t have to tackle the stress of unsecured debt on your own.

Jay T. Harris

FCPA, CIRP, LIT

Licensed Insolvency Trustee
Kyle Harris

LL.B., CIRP, LIT

Licensed Insolvency Trustee
Adam Fisher

CPA, CIRP, LIT

Licensed Insolvency Trustee
Joshua Harris

BCOMM., MIB, CIRP, LIT

Licensed Insolvency Trustee
David Adams

Licensed Insolvency Trustee
Doug Loiselle

Licensed Insolvency Trustee
Robert McLernon

BComm, CIRP, LIT

Licensed Insolvency Trustee
Shelley Koehli

Licensed Insolvency Trustee
Jill Strueby

Licensed Insolvency Trustee

Unsecured Debt Relief FAQs

What is unsecured debt?

Unlike secured debt, unsecured debt doesn’t involve collateral. Lenders rely solely on your creditworthiness and future income to repay the loan.

What are common types of unsecured debt?

Some common types of unsecured debt include:

Credit cards: Convenient for everyday purchases but often carry high interest rates.
Personal loans: Can be used for various purposes like debt consolidation, home improvement, or medical bills.
Student loans: Help finance education but can accumulate significant interest over time.
Lines of credit: Offer flexible access to funds but require responsible management to avoid overspending.

Should I consolidate my unsecured debt?

You could consider consolidating your unsecured debt if:

You have multiple high-interest unsecured debts.
You can qualify for a consolidation loan with a lower interest rate.
You’re committed to making regular payments on the consolidated loan.

While we don’t offer DMP or debt consolidation, our team of seasoned professionals is here to offer you guidance and advice you can trust.

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.

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

Contact form

Where you can find our unsecured debt relief services in Canada

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

Find your town: