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Tax Debt Help in Canada

Is your tax debt mounting? Don’t let it take over – contact our team today and take back control of your finances. A debt-free life is just a call away.

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Managing back taxes and tax debt

Tax debt is a problem that can sneak up on you very quickly. It can cause you headaches in the present and in the future if you don’t know how to deal with it. Luckily, there is debt help available from a Licensed Insolvency Trustee (LIT) such as Harris & Partners Inc.

What is tax debt?

Tax debt results from owing money on your income taxes after you have filed your tax returns. Generally, you should be able to work out a payment plan with Canada Revenue Agency, but in the event that you are not, other options are available.

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What are your tax debt relief options?

The first step to dealing with tax debt is to file any outstanding tax returns. Many people feel overwhelmed and confused by doing this, but you don’t need to worry – there are several options available to help, including software and CRA guides.

It is important to file even if you think you owe money. Failing to file your taxes properly can incur additional fees, leading to a greater amount owed. If you find that your debt is over $10,000, then you should get an accountant or tax preparer to review your returns and ensure you are taking advantage of all the possibilities under the Income Tax Act to reduce what you owe. If you are genuinely unable to pay at all, then you have a few options available to you:

Apply to the CRA under Taxpayer Relief Provisions
File a consumer proposal
File for bankruptcy

Get started today

Example Savings: Tax 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 debt repayment calculator

Get a free debt repayment plan tailored to your needs

Expert support from Licensed Insolvency Trustees

Your Information is safe & confidential

Step 1: Your debt

Your plan

Your Information is safe & confidential

Helping Canadians with tax debt relief and more

Car Loan Debt Help

Bankruptcy for car loans

Consumer proposals for car loans to you

Alternative car financing options

Credit Card Debt Help

Student Loan Debt Help

Payday Loan Debt Help

Line Of Credit Debt 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

Expert tax debt advice from Harris & Partners

Are you starting to feel the weight of your tax debt? Our Licensed Insolvency Trustee can help you lighten the load.

No matter what route you choose, you can rest assured we will always have your best interests and financial freedom in mind. From consumer proposals to filing for bankruptcy, we can help you find the best debt solution available.

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

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   Harris & Partners Inc.
   2317 Google reviews 
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   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.
  
 
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   John Paul Boisvenue 
 10 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Amazing company to work with
  
 
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   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.
  
 
     Posted on Google  
   
   DEEN Salahudeen 
 10 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Harris & Partners helped me come out of my financial situation..I sincerely appreciate their help in this and recomend them to anyone who need help to sort out their financial problems.
  
 
     Posted on Google  
   
   jim smith 
 9 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great company and kind they really wana help
  
 
     Posted on Google  
   
   Jenn Yakubowich 
 9 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’m so grateful for Harris and Partners help. I asked to lower my payments for a month so I can afford Christmas presents for my kids and they lowered my payments beyond words… I literally cried. Now I can have a Christmas with my kids without having to worry on how I’m going to afford them ❤️
  
 
     Posted on Google  
   
   Rose Gore 
 9 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. You are a great company helping me get out of debt, where no one else would help me because im on a disability but yous did. Thank you and keep up the good work . But also I would like to thank you the goals I want to achieve. Do to your help. Rose  Gore Wilson.
  
 
 
  
 
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