HARRIS & PARTNERS INC.

What HARRIS & PARTNERS INC. does

HARRIS & PARTNERS INC. is a privately held Canadian Licensed Insolvency Trustee firm headquartered in Markham, Ontario and operating since 1964. It delivers federally regulated debt-relief services — primarily consumer proposals — through more than 50 office locations across 9 Canadian provinces, supplemented by phone-based inside sales and a SEO-driven website intake funnel.

The firm offers a comprehensive product suite spanning consumer-side solutions (consumer proposals, personal bankruptcy, debt consolidation, debt management plans, debt settlement, credit counselling) and business-side solutions (corporate bankruptcy, corporate insolvency and Division 1 Proposals). Consumer proposals are the flagship product, structurally capable of reducing qualifying unsecured debt by up to 80%, with one fixed monthly payment, 0% interest, and an immediate legal halt to creditor collection activity upon filing. Trustee fees are federally tariff-regulated and embedded in the client's monthly repayment; there are no upfront charges, and initial consultations are free. In 2026 the firm launched Harris Partners Advisory as a new advisory division.

The business model is professional-services fee generation attached to administered filings rather than a software or platform model; the input explicitly notes there is no proprietary technology layer and the debt quiz and debt repayment calculator are static lead-capture tools. Ownership appears to remain with the founding Harris family — Joshua Harris is a third-generation Licensed Insolvency Trustee — and no institutional investors, parent company, or PE backing are evidenced. Customer concentration is structurally low because every engagement is an individual or small-business filing rather than an enterprise contract.

Name

HARRIS & PARTNERS INC.

Legal name

HARRIS & PARTNERS INC.

Website

https://harrisandpartnersinc.com

Company type

Private

Founded year

1964

Operating status

Operating

Short description

HARRIS & PARTNERS INC. is a Canadian Licensed Insolvency Trustee firm, founded in 1964, that delivers federally regulated debt-relief services — chiefly consumer proposals — to distressed Canadian individuals and small businesses through 50+ offices across 9 provinces.

Ownership category

akta.pro rank

Product category

Debt Relief and Insolvency Services

NAICS

Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Fiduciary Agency & Trustee-for-Hire Services (FSAAANAL)

akta.pro secondary industries

Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB), Corporate & Institutional Trust Services (FSAAANAB)

Keywords

• Debt relief services
• Consumer proposal administration
• Insolvency trustee services
• Bankruptcy filing services
• Credit counselling

Headquarters

HQ city

Markham

HQ country

Canada

HQ region

North America

Offices56 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Consumer Proposal Administration: Licensed Insolvency Trustees administer federally regulated consumer proposals under the Bankruptcy and Insolvency Act. Trustee fees are built into the negotiated repayment amount paid by clients over up to 5 years, set by federal tariff regulations. Clients make one fixed monthly payment which covers both the settlement to creditors and the trustee's administrative fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Harris & Partners Inc. is a Canadian Licensed Insolvency Trustee firm that administers federally regulated debt relief solutions, including consumer proposals, personal and corporate bankruptcy, debt consolidation, debt management plans, credit counselling, debt settlement, and Division 1 Proposals. Services are delivered by Licensed Insolvency Trustees through offices in nine Canadian provinces, beginning with a free confidential consultation and structured as monthly repayment arrangements over up to five years.

Product overview

Harris & Partners Inc. offers a comprehensive suite of debt management and insolvency solutions through Licensed Insolvency Trustees across Canada. The core offering consists of Consumer Proposals (the primary product, reducing debt by up to 80%), Bankruptcy, Debt Consolidation, Debt Management Plans, Credit Counselling, and Debt Settlement. For businesses, the company provides Corporate Insolvency and Corporate Bankruptcy services, as well as Division 1 Proposals. A free Debt Repayment Calculator tool is also offered. These services operate as a unified debt relief platform where the Consumer Proposal serves as the flagship solution, supported by ancillary services for different financial situations and debt types.

Differentiator

Problem solved

Functional benefit

Brands

• Harris Partners Advisory: Advisory division of Harris & Partners providing financial advisory services

Products and services

• Consumer Proposals A federally regulated, legally binding debt settlement agreement filed through a Licensed Insolvency Trustee under the Bankruptcy and Insolvency Act for individuals with unmanageable unsecured debt. Can reduce unsecured debt by up to 80%, with one fixed monthly payment, interest-free, for up to five years.
• Bankruptcy A formal legal process for individuals dealing with unmanageable debt that eliminates most unsecured debts and provides a fresh financial start. Typically positioned as a last resort option.
• Debt Consolidation Combines various debts under one loan to pay back creditors, potentially saving on interest and simplifying repayments for individuals carrying multiple unsecured obligations.
• Debt Management Plan A predictable, scheduled repayment plan that runs for up to five years, designed to leave the debtor debt-free at the end of the repayment period.
• Credit Counselling Financial counselling that helps clients identify causes of financial issues and gain tools to regain control of their finances, including budget development and debt management strategies.
• Debt Settlement Service where the firm negotiates with creditors to potentially achieve significant debt reduction for individuals; credit score impact may occur and results are not guaranteed.
• Corporate Bankruptcy Corporate bankruptcy services that help businesses restructure debt and explore options to avoid liquidation while protecting jobs for employees.
• Corporate Insolvency Debt restructuring and operational restructuring services to secure a company's future, typically involving asset liquidation to pay off debts.
• Division 1 Proposals Allows changing the terms of business debt, reducing the amount owed and/or extending the repayment period while retaining assets for insolvent or near-insolvent businesses.

Quantifiable outcome

• Reduce unsecured debt by up to 80% through consumer proposals
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Regional players

• David Sklar & Associates: David Sklar & Associates is a GTA-based consumer insolvency practice. Comparable in consumer-proposal focus and Ontario distribution, though smaller in scale than Harris & Partners.

Direct peers

• Ira Smith Trustee & Receiver Inc. Ira Smith Trustee & Receiver Inc. is a Toronto-based LIT firm handling consumer proposals, bankruptcy, and corporate insolvency mandates. Comparable as an Ontario-focused competitor with both consumer and corporate-side capability.
• Sands & Associates: Sands & Associates is a BC-based Licensed Insolvency Trustee firm offering consumer proposals and bankruptcy services in Western Canada. Comparable regional consumer-debt competitor, particularly relevant to Harris & Partners' Vancouver/Kelowna/Surrey offices.
• BDO Canada Debt Solutions: BDO Canada operates a Licensed Insolvency Trustee practice offering consumer proposals, bankruptcy, and debt counselling across Canada. Directly comparable in service mix, regulatory standing, and multi-province distribution to Harris & Partners.
• MNP Ltd. MNP is one of Canada's largest LIT firms, offering consumer proposals, bankruptcy, and corporate insolvency services nationally. Closest direct competitor with similar nationwide office footprint and consumer-facing insolvency marketing.
• Farber Financial Solutions: Farber is a Canadian debt relief and insolvency firm offering consumer proposals, bankruptcy, and credit counselling. Comparable mid-market LIT firm with similar consumer-debt focus and regulatory license.
• Grant Thornton Debt Solutions: Grant Thornton's Canadian practice provides Licensed Insolvency Trustee services alongside its broader accounting and advisory offerings. Comparable in regulatory positioning and corporate-side insolvency work.
• Bromwich+Smith (now part of MNP): Bromwich+Smith was a consumer-focused Canadian LIT firm that merged with MNP. Comparable as a consumer-proposal-led insolvency brand before the acquisition, illustrating consolidation dynamics in the Canadian LIT market.

Broad incumbents

• Deloitte (Canada Restructuring): Deloitte's Canadian restructuring practice competes for mid- and large-market corporate insolvency mandates. Comparable in trustee-adjacent work but focused on enterprise restructuring rather than consumer proposals.
• KPMG (Canada Restructuring): KPMG Canada's restructuring practice handles corporate insolvency and Division 1 Proposals for larger enterprises. Comparable in regulatory expertise on the corporate side but at a larger scale and with a Big Four brand.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HARRIS & PARTNERS INC.