Harris & Partners Inc. - Bankruptcy & Consumer Proposals, Pickering - Pickering, Ontario

Jocelyne L.

I was overwhelmed by my financial situation, paying around $800 a month—sometimes even more. However, when I contacted Harrison Partners, they really put me at ease. Thanks to their help, my monthly payment is now only $275. This change has allowed me to afford groceries without worrying about paying my rent. I also faced some issues with the government, and they guided me on what to do. Their support has been fantastic!heir support has been fantastic!

LittleBit O.

Have taken the monthly payment out three times this month! You're on an extremely tight budget and they take their payment three times. I can understand an error but who is in charge at their offices that can correct a duplicate debit for their payment by taking a third payment!!!! Definitely not watching out for the customer as over 12 hours after their notification of an error raking a duplicate payment as "something went wrong and we are working to fix the problem" a third payment us taken!!! Leaving all other payments being bounced from your bank account. You send an urgent message and are told 6 hours later they are working on it.

George F.

They are very quick to respond when contacted to put a proposal together but I feel abandoned since the initial contact….. this is not something that is familiar to me so I’m always concerned with what the next step is. I have reached out to them twice now via email and have not had any response from them. More personal contact such as a contact phone number and names would be more assuring and comforting I think. I’m not good at electronic communications.

Jessie B.

In my experience, Harris & Partners is a SCAM! They may tell you they have saved you tens of thousands in unsecured debt by negotiating with your creditors and having them agree reduce your debt up to $80,000. Only to secretly include is written off debt from your creditors into your 60-month payments, in some cases. They may never disclose how much they are charging for their services. They may also work in conjunction with unregulated 3rd party companies such as Debt Helpers etc. who reel in unsuspecting people who are struggling with debt and difficult life situations. These 3rd party UNREGULATED “debt management companies” also may not disclose how much money they’re charging you. They may tell you to start making monthly payments to them right away. They may tell you they’ve negotiated with your creditors and reduced your debt by up to $80,000. Then they introduce companies like Harris & Partners, Trustees, who file the documents for your consumer proposal and start charging you the 60-month payments to pay back the debt. So whatever you paid the first unregulated company may not paid against your debt. They may just keep the payments you have made prior to your Consumer Debt proposal being filed with the Superintendent of Bankruptcy. These two companies may tag team and manipulate you into paying THEM any amount your creditors agree to write off and more. They may never disclose how much money they are taking. When you calculate the 60-month payments you may see that whatever amount of unsecured debt your creditors have agreed to write off through their negotiations, is actually then paid to Harris & Partners and folded into the 60-month payment. You may be told that a consumer proposal “will have little to no impact on your credit rating”. THIS IS FALSE. Your credit rating will IMMEDIATELY fall to between a R7 to R9 credit score, likely include a status of “Written Off”. Your credit will likely be equivalent to a bankruptcy for a minimum of 6 years, which has serious long-term implications. This may be a SCAM, in my opinion.

Further, UNSECURED DEBT can only be collected within specific time-frames and varies between provinces. A limitation period sets a time limit during which a creditor can commence legal action by filing a claim with the court to collect on a debt. Canada’s base limitation period is six years; however, many provinces have lowered that time limit to 2 years.

Statute of Limitation Length Provinces & Territories:
2 Years - Alberta, British Columbia, New Brunswick, Nova Scotia, Ontario, Saskatchewan
3 Years - Quebec
6 Years - Manitoba, Newfoundland and Labrador, Northwest Territories, Nunavut, Prince Edward Island, Yukon.

A debt collector can't do the following: suggest to your friends, employer, relatives or neighbours that they should pay your debt, unless they've co-signed your loan. use threatening, intimidating or abusive language. apply excessive or unreasonable pressure on you to pay the debt.

***IMPORTANT: Making a partial payment or acknowledging you owe an old debt, even after the statute of limitations expired, may restart the time period.

THIS IS NOT LEGAL ADVICE OF ANY KIND. PLEASE DO YOUR RESEARCH BEFORE YOU MAKE ANY DECISIONS. YOU ONLY NEED A LICENSED TRUSTEE TO FILE A CONSUMER DEBT PROPOSAL. PLEASE BE AWARE OF THESE “DEBT FORGIVENESS” and “CONSUMER DEBT PROPOSAL” SCAMS.

Karen J.

I highly recommend Harris & Partners! From the first intake call, I felt at ease. The staff have always been supportive, non-judgemental, informative and helpful with a caring attitude.
I am so glad I had them to back me up! Thank you so much Harris & Partners 🙏🏼

Billy R.

Gratitude doesn't cover just how much more happier I am since Harris and partners took over my unsecured debt. Just one big part of the drama that is now gone to where it's manageable and I can start over again. Thank you so much Shelly for your expertise, understanding and helping me throughout the process. Cheers!

Richard R.

They made me feel good and explained everything in a way that it's easy to understand. They didn't make me feel cheap or degraded. They really made me make the right decision for me. Thank you very much for all you did for all of us in need of help with out judging us.
Thank You
Richard R.

Charmaine E.

I am very grateful to Mary and the Harris & Partners team for giving me hope for my future. This Consumer proposal was the best decision I made, it was like divorcing my debts. Thank you Mary and Adam I can finally breathe again