FAQ
Find Out if You Qualify for a Debt Relief Program!
FAQ
How can we help you?

A Debt Relief Program in Canada is a general term for solutions designed to help individuals struggling with debt. At Harris & Partners, as Licensed Insolvency Trustees, we offer government-regulated debt relief options, including consumer proposals. Our process is simple and designed to give you peace of mind. We consolidate your existing debts into one affordable monthly payment based on your financial situation. This means no more juggling multiple bills or high interest rates.
Plus, we work directly with your creditors to lower the total amount you owe, so your payments reduce your debt, not just cover the interest. Many individuals apply to our program because circumstances like job loss, illness, unexpected expenses or other financial challenges etc have made it difficult for them to pay off their debts. This program allows for negotiated, reduced payments with creditors who prefer a compromise over the risk of bankruptcy.
As Licensed Trustees, we are legally authorized by Innovation, Science and Economic Development Canada (ISED) to administer your plan and ensure it's tailored to your financial needs. If you'd like to explore your options or discuss your situation in more detail, feel free to book a consultation Click here to get started We're here to help!

At Harris & Partners, we assist Canadians in consolidating most types of unsecured debt into a single, manageable monthly payment through government-regulated debt relief programs, primarily consumer proposals. This can include debts such as credit cards, unsecured personal loans and lines of credit, payday loans, overdue cell phone and utility bills, certain student loans (depending on eligibility), medical bills, CRA tax debt, CEBA loans, EI overpayments, debts owed to friends or family, and collection accounts. As Licensed Insolvency Trustees, we are the only professionals in Canada legally authorized to reduce your debt without charging upfront fees, and our solutions are backed by federal law.
Because we’re Licensed Insolvency Trustees, we are the only professionals legally authorized to reduce your debt without charging upfront fees, and our process is backed by the federal government.
Let us help you get back on track. Click here to get started to explore your options with a confidential consultation

Yes, Harris & Partners may be able to help with your student loans, depending on the type and how long you've been out of school. In Canada, government-guaranteed student loans can be included in a consumer proposal, a form of debt relief, if you have been out of school for at least seven years. In this case, the student loan debt can potentially be eliminated. Private student loans from banks are generally treated as other unsecured debts and can be included regardless of how long you've been out of school. If it has been less than seven years since you left school and you have government student loans, other debt relief strategies might still be available based on your overall financial situation.
Click here to get started so we can review your case and guide you on your best path forward. We’re Licensed Insolvency Trustees, which means we’re legally authorized and federally regulated to help Canadians find real, lasting relief.
You’re one step closer to peace of mind. Let’s talk!

Great question, and you’re not alone in wondering!
Determining your eligibility for debt relief in Canada through Harris & Partners is straightforward. Our Licensed Insolvency Trustees are federally regulated and legally authorized to provide tailored debt relief options, including consumer proposals, without any upfront fees or obligation. If you are struggling with high-interest debt, juggling multiple payments, or feeling overwhelmed by your financial obligations, you likely qualify for a consultation.
The best way to know for sure? Apply for a free consultation. It takes just a few minutes, and our team will walk you through every step to see what you’re eligible for, safely and confidentially.
Click here to get started – See how this program can help. You’ll be glad you did.

No, the Debt Relief Programs offered by Harris & Partners are not the same as bankruptcy in Canada. Bankruptcy is often considered a last resort, and our primary goal is to help you avoid it whenever possible. We specialize in government-regulated debt relief solutions, such as consumer proposals, which are designed to significantly reduce or eliminate your unsecured debt without having to declare bankruptcy. These programs can stop collection calls, freeze interest, consolidate your payments into one manageable amount, and allow you to keep most of your assets.
It all starts with understanding your options. Click here to get started and fill out our quick questionnaire. One of our Licensed Insolvency Counsellors will contact you during business hours to review your situation and walk you through the choices available — confidentially and without pressure.
You're not alone. Let’s take the first step toward financial freedom — together.

Yes, this is 100% legit. Harris & Partners is a Licensed Insolvency Trustee, regulated by the Innovation Science and Economic Development of Canada as well as the Government of Canada. This means we are federally authorized to legally and ethically help individuals reduce or eliminate debt through solutions like consumer proposals. We do not charge any upfront fees and work directly with your creditors to find real, legally backed solutions. With over 60 years of experience, we have helped thousands of Canadians regain control of their finances. When exploring debt relief options, it is crucial to work only with a Licensed Insolvency Trustee.
Book a free, confidential consultation to speak with a trusted professional.
Click here to get started we’re here to help.

Generally, if your credit card has an outstanding balance, it will need to be included in a Debt Relief Program like a consumer proposal managed by Harris & Partners. These programs are designed to resolve all your unsecured debts into one manageable monthly payment. If you have a credit card with no balance, there is no debt, and it might be possible to keep it, but this depends on your overall financial situation and goals. It's important to consider whether keeping a credit card while in debt is truly beneficial for your financial recovery. Our Licensed Insolvency Trustees at Harris & Partners can provide personalized advice on what assets and debts are included in a debt relief program during a free, no-obligation consultation.
Click here to get started and speak directly with a Licensed Trustee. We’ll walk you through your options and help you make the best decision for your financial future.
FAQ
How can we help you?

The debt relief process with Harris & Partners is designed to be efficient and straightforward. In most cases, it takes as little as 20 minutes to get started, and within 48 hours, we can present a customized repayment proposal to your creditors.
Once your proposal is accepted, your new, reduced monthly payments can be spread over a period of up to five years, depending on your total debt, the type of debt involved (such as credit card debt, payday loans, or tax debt), and the number of creditors.
As Licensed Insolvency Trustees, we provide legal, government-regulated solutions that help stop interest, protect your assets, and eliminate debt in an affordable and structured way. Whether you're dealing with multiple loans or struggling with growing balances, our programs are tailored to give you a clear path to becoming debt-free—without upfront fees or hidden costs.

At Harris & Partners, we do not charge any upfront fees for our debt relief services in Canada. As a Licensed Insolvency Trustee firm, we are fully authorized and regulated by the Government of Canada. Your initial consultation is completely free, and there are no hidden costs. By law, debt relief companies in Canada, including Licensed Insolvency Trustees, cannot charge fees until your debt relief program, such as a consumer proposal, is formally approved by your creditors. Our fees are regulated and are paid from the funds you repay as part of your program. Creditors pay our fees not you.
Click here to get started We're here to help Canadians find real, legal, and lasting debt relief, without the stress.

YYes, enrolling in a debt relief program in Canada, such as a consumer proposal administered by Harris & Partners, will have a short-term impact on your credit score. However, if you are already struggling with debt and missing payments, your credit score is likely already be negatively affected. Our focus as Licensed Insolvency Trustees is to help you regain control of your finances, reduce your monthly payments, and achieve a fresh financial start. While there will be a temporary dip in your credit score, the long-term benefits of debt relief, including reduced stress and a clear path to rebuilding your credit, are significant. We have helped many Canadians successfully rebuild their credit after completing a debt relief program. Click here to get started

Working with a Licensed Insolvency Trustee in Canada offers several significant benefits. Licensed Insolvency Trustees are the only professionals legally authorized to administer government-regulated debt relief solutions like consumer proposals and bankruptcy. They are regulated by the federal government, ensuring they adhere to strict ethical and professional standards. Unlike unregulated debt consultants, Trustees are legally obligated to act in your best interest.
They provide unbiased advice, thoroughly assess your financial situation, explain all your debt relief options, and help you choose the most suitable path to becoming debt-free. They also handle all the paperwork and negotiations with your creditors, providing you with peace of mind during a stressful time. Harris & Partners has been a trusted Licensed Insolvency Trustee firm for over 60 years, offering Canadians expert guidance and support in overcoming their debt challenges. We’ve helped thousands of Canadians break free from the cycle of debt and rebuild their financial future. The first step? Click here to get started

A Consumer Proposal is a legally binding agreement in Canada between you and your creditors to settle your debts for a reduced amount. It is a formal alternative to bankruptcy that allows you to consolidate your unsecured debts into a single monthly payment over a period of up to five years. Working with a Licensed Insolvency Trustee like Harris & Partners, you'll make an offer to your creditors outlining how much you can afford to repay. If the majority of your creditors agree to the proposal, it becomes legally binding on all of them. You make regular payments to the Trustee, who then distributes the funds to your creditors. A key benefit of a consumer proposal is that you can typically keep your assets, such as your home and car, as long as you continue to make payments on any secured loans.
Click here to get started We're here to help Canadians find real, legal, and lasting debt relief, without the stress.

Yes, tax debt owed to the Canada Revenue Agency (CRA) can be included in a Consumer Proposal in Canada. This includes debts for personal income tax, GST/HST, payroll remittances, and other taxes. In fact, a consumer proposal is a powerful tool for dealing with tax debt, as it is one of the only legal ways to reduce the amount you owe to the CRA without filing for bankruptcy. Filing a consumer proposal can also stop the accrual of further interest and prevent the CRA from taking collection actions such as wage garnishments or bank account freezes. It is important to ensure that you continue to file your tax returns on time while in a consumer proposal. Licensed Insolvency Trustees at Harris & Partners have extensive experience in dealing with tax debt through consumer proposals and can help you find a solution.
Click here to get started We're here to help Canadians find real, legal, and lasting debt relief, without the stress.

Your first consultation with a Licensed Insolvency Trustee is a crucial step in understanding your debt relief options. Some important questions to ask include: What debt relief options are available for my specific situation? What are the pros and cons of each option, including consumer proposals and bankruptcy? Which of my debts can be included in each option? What are the costs involved, including the Trustee's fees? How will each option affect my credit rating, and how long will the impact last? Will my spouse or other family members be affected? What are the steps involved in the process, and how long will it take? What are my obligations during and after the process? What support and resources do you provide to help me get back on track financially? Asking these questions will help you gather the information you need to make an informed decision about the best path forward. Harris & Partners offers free, no-obligation consultations, so you can get all your questions answered by an experienced intake executive at our office. The first step? Click here to get started www.harrisandpartnersinc.com
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Our Licensed Insolvency Trustees provide customized services that could reduce a significant amount of your debt and stress, allowing you to breathe easier included solutions from the BIA such as Div II proposals and Summary Administrations. No Up Front Fee Required.
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