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Consumer Proposals For Car loans

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Car loan consumer proposals

Are you looking for an alternative solution to bankruptcy when it comes to your car loan debt? Harris & Partners Inc. can help you file a consumer proposal.

You are entitled to keep your car in a consumer proposal as long as you are current on your payments and you continue to make the regular payments.

If you keep the car, the first payment you make after filing a consumer proposal starts a new contract. If you keep the car but in the future you become unable to make the payments, the debt cannot be added to your consumer proposal.

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A consumer proposal is not the only alternative

A consumer proposal is not the only alternative for dealing with car loan debt. Learn about filing for bankruptcy for car loans or learn about how you can finance a car outside of an insolvency proceeding.

For all debt related inquiries, contact the Licensed Insolvency Trustees at Harris & Partners Inc. today with offices located across Canada.

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Other Debt Types

Car Loans

Bankruptcy for car loans

Consumer proposals for car loans to you

Alternative car financing options

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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

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

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   Harris & Partners Inc.
   2324 Google reviews 
  Write a review 
 
 
 
   
 
 
      Posted on Google  
   
   Tania Haney 
 12 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Harris & Partners so far have been a great help to me personally. I am now able to manage   finances very efficiently.  I would recommend them to any individual who needs help and guidance.
  
 
     Posted on Google  
   
   Mike Hayes 
 11 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great experience with them. They were very thorough with my consumer proposal, explaining the process to me and helping me with everything. They were able to take a lot of pressure off of me and save me from bankruptcy. I would recommend them if your having financial difficulties and need help.
  
 
     Posted on Google  
   
   Kelvin Friesen 
 11 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Everything has gone good people are friendly no problems
  
 
     Posted on Google  
   
   Barbara Ferguson 
 11 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. So helpful and kind, helped me so much.
I would definitely recommend them if you find yourself in debt to credit cards, or money lenders.
Everything went so smoothly, and they took all the worry I had away about the situation I was in.
I highly appreciate and recommend them, it was not stressful, and everyone is so professional.
  
 
     Posted on Google  
   
   Guy Provencher 
 11 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Treated like a real person.
  
 
     Posted on Google  
   
   Shaun Dietrich 
 11 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. They were very helpful and easy to work with to resolve issues.
  
 
     Posted on Google  
   
   John Paul Boisvenue 
 10 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Amazing company to work with
  
 
     Posted on Google  
   
   broley huxley 
 10 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Were great to work with got my consolidation loans dealt with fast and have been wonderful when needing information on any issues
  
 
     Posted on Google  
   
   Ray St. Jacques 
 10 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with Harris & Partners while working through my consumer proposal. The team was compassionate, professional, and respectful throughout the process, and they explained everything clearly so I always knew what to expect. Their support lifted a huge weight off my shoulders. I’m truly grateful for their help and would highly recommend them.

Best,
Ray
  
 
     Posted on Google  
   
   Marilyn Cox 
 10 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’ve had a great experience with Harris and Partners. Great advice so I can get on the right track. I’m very grateful.
  
 
 
  
 
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