Thank you for your response and for clarifying the legal framework.
I understand that the documentation includes disclosure about joint and co-signed debt. However, my concern remains that the practical consequences were not emphasized strongly enough in a way that ensured full understanding before filing.
There is a significant difference between a written clause and a clear, proactive discussion about how creditors may immediately pursue a spouse and begin collection activity. For families, this is not a minor detail — it can shift financial and emotional pressure overnight.
As corrective action, I would encourage Harris & Partners to:
• Provide a separate, clearly explained verbal confirmation specifically addressing joint debt impact
• Require written acknowledgment that the client understands the co-signer remains fully liable
• Offer a proactive planning discussion for the spouse before filing
These steps would help ensure families are truly prepared — not just legally informed.
My intention is constructive: to help improve the client experience for others who may be in similar situations.
Thank you for taking the feedback seriously.
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Established in 1964, Harris & Partners Inc. has been proudly helping Canadians achieve financial freedom for over six decades. As a trusted leader in debt solutions and financial counseling, we provide compassionate, practical, and confidential support to individuals and families across 9 provinces.
Our experienced team of Licensed Insolvency Trustees and financial advisors work closely with clients to create personalized strategies for managing debt, rebuilding credit, and restoring financial confidence. Whether through consumer proposals, bankruptcy guidance, or budgeting assistance, we’re committed to helping you take control of your financial future - one step at a time.
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