Medical Debt Help in Canada
Has an unexpected health issue left you with medical debt you can’t afford? Call our team today, and we’ll give you a plan to live debt-free.
Safe, secure & confidential
Safe, secure & confidential
Finding your way through medical debt
We understand that grappling with medical debt is a burden that can feel overwhelming, impacting your health and financial well-being.
Medical debt needs to be addressed as soon as you see it’s a problem. It not only affects your peace of mind but also jeopardizes your financial stability. Ignoring it may lead to harassing calls from collectors or even legal action, only adding to your stress.
With years of experience, we specialize in medical debt solutions. Our team is well-versed in the complexities of medical billing, insurance claims, and negotiations with healthcare providers. We provide tailored, compassionate support, ensuring your medical debt is managed effectively.
Your wellbeing is always our number one priority, and we’re dedicated to helping you regain control of your life. Don’t face medical debt alone. Contact our friendly team today for a brighter, debt-free future.
Get medical debt help - it’s a simple process
Medical debt comes with unique challenges. That’s why we take the time to fully understand your specific situation, offering a judgment-free, safe space for you to share your experience. We’ll need to know some specifics, including your income, the nature of your medical debt and who you owe – but don’t worry, this is all strictly confidential and will never be shared.
Once we have a comprehensive view of your medical debt, we’ll work with you to create a customized plan. This involves exploring every available debt relief option, only pursuing the ones you feel comfortable and happy with. At Harris & Partners, we prioritize your well-being and will never pressure you into decisions.
When you’re happy with the plan, we put it into action. Your financial well-being remains our top priority, and you can trust us to provide unwavering support and reliable guidance throughout the process. At Harris & Partners, we’re with you every step of the way as you work towards freeing yourself from the burden of medical debt.
Example Savings Medical debt relief
Your Potential Debts:
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?The six warning signs of medical debt
If you’re worried that you or a loved one is struggling with medical bills and repayment, there are a few key things you can look out for:
Sign 1. Extra lines of credit
Meet with one of our Licensed Insolvency Trustees (previously known as Trustees in Bankruptcy), to help us understand your financial situation
Sign 2. Avoidance
Ever noticed that you or a loved one automatically avoids talking about medical debt, or finances in general? This avoidance can be a big indicator of larger struggles.
Sign 3. Missing payments
As the stress of medical debt grows over time, it’s easy to prioritize other payments, miss payments or even avoid them to help you pay other bills.
Sign 4. Mental health
If you’re struggling with the weight of medical debt, you may be feeling symptoms of stress, anxiety or overwhelm – medical debt can have a detrimental effect on your mental health.
Sign 5. A change in relationships
Debt is something no one should face alone, though so often is. The shame and stress can cause people to push their loved ones away, or even lose their temper and patience quickly.
Sign 6. A domino effect
If you stopped working due to illness, reducing your income and building your medical debt, this could have a rollover effect, resulting in maxed-out credit cards or other extensive loans.
Browse debt options in Canada
†Some debts, such as support payments, court fines and student loans less than 7 years old, are not released by bankruptcy.
*Harris & Partners is a Licensed Insolvency Trustee. We file consumer proposals and bankruptcies, and we’ll explain every option, but we don’t provide credit counselling, debt management plans, consolidation loans or debt settlement.
Why choose us for consumer proposals in Ontario?
Our Licensed Insolvency Trustees can provide a customised consumer proposal that could shrink your debt by up to 80%.
Our multilingual team offers debt support in Farsi, Portuguese, Italian, Tamil, and more, so you can feel comfortable every step of the way.
With offices in nine provinces, we offer in-person debt support across Canada—from Atlantic provinces to Ontario to British Columbia.
Our Licensed Insolvency Trustees are here to help you tackle medical debt
With our Licensed Insolvency Trustees at your side, you don’t have to face the stress of medical debt alone. They specialize in helping you effectively manage your medical debt, providing tailored solutions and professional support every step of the way.
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![Jay harris]( "Jay-150×150-1.png")
Jay T. HarrisFCPA, CIRP, LITLicensed Insolvency Trustee -
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Kyle HarrisLL.B., CIRP, LITLicensed Insolvency Trustee -
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Adam FisherCPA, CIRP, LITLicensed Insolvency Trustee -
![Joshua Harris]( "josh-NEW")
Joshua HarrisBCOMM., MIB, CIRP, LITLicensed Insolvency Trustee -
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David AdamsLicensed Insolvency Trustee -
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Doug LoiselleLicensed Insolvency Trustee -
![Rob McLernon]( "zz")
Robert McLernonBComm, CIRP, LITLicensed Insolvency Trustee -
![shelley]( "1050_Shelley_Koehli.jpg")
Shelley KoehliLicensed Insolvency Trustee -
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Jill StruebyLicensed Insolvency Trustee
Medical Debt FAQs
Can you go to jail for not paying medical bills?
No. Canada removed debtor’s prison time centuries ago. You cannot be jailed for owing money on civil debts like medical bills. However, ignoring court orders related to the debt can lead to arrest.
What happens if you don't pay hospital bills in Canada?
If you don’t pay a medical bill in Canada, the amount will usually increase due to interest rates. Unpaid bills can be sent to collections and it will have a negative impact on your credit score.
Does medical debt exist in Canada?
Yes, medical debt exists in Canada, though the public healthcare system covers most essential services. You may incur debt for uncovered services, prescription medication, or private healthcare choices.
Am I responsible for my spouse's medical debt?
In Canada, spouses are not automatically responsible for each other’s debts, including medical bills. However, depending on marital property laws and joint financial arrangements, there may be exceptions.
Can medical debt affect your credit?
Unpaid medical bills sent to collections can negatively impact your credit score. Making timely payments or setting up a payment plan can help protect your credit.
Take your first step to financial freedom
Dealing with medical debt can be really hard, but you don’t have to face it alone. Take the first step today and give our team a call. Together, we can get you on the path to a positive financial future.
It's never too late to obtain debt help. Book your free consultation today
- Phone number
- 800-268-8093
- hello@harrispartners.ca
Contact form
Where you can find our medical debt relief services in Canada
We work all across Canada, so you can rest easy knowing our medical debt help services are never far away.