Putting Canadians First: A Smarter, More Transparent Approach to Debt Recovery
Oakville, Canada - January 29, 2026 / Right Turn Auto /
A More Balanced Conversation Around Debt Recovery Is Taking Shape in Canada
Ontario, Canada – January 2026 – As household debt continues to weigh heavily on Canadians, a quieter shift is taking place in how financial recovery is being discussed. Rather than focusing on single solutions or quick fixes, more regulated professionals are emphasizing clarity, choice, and real-world practicality when helping individuals navigate difficult financial decisions.
Harris & Partners and Right Turn Auto Credit operate independently in different areas of financial services, but both reflect this evolving, consumer-first approach. At its core is a simple idea: financial recovery is rarely linear, and people often need different types of support at different moments.
Debt Does Not Exist in Isolation From Everyday Life
For decades, Licensed Insolvency Trustees have helped Canadians regain control of their finances through regulated options such as consumer proposals and bankruptcy. Yet for many individuals, financial stress exists alongside very real day-to-day responsibilities that cannot be paused.
“When people are dealing with debt, they are often juggling far more than numbers on a page,” says Joshua Harris, CEO at Harris & Partners. “They’re trying to keep their job, support their family, and make it through a difficult period with dignity. Our responsibility is to provide regulated, impartial advice, while recognizing that insolvency solutions may only be part of a much bigger picture.”
That broader view is becoming increasingly important as Canadians face rising costs and tighter credit conditions.
Practical Needs Continue Throughout Financial Recovery
Access to reliable transportation is one of the most common challenges people face while dealing with credit issues or insolvency. Whether commuting to work, attending medical appointments, or managing family obligations, a vehicle is often essential, regardless of where someone is in their financial journey.
Right Turn Auto Credit works with individuals who may explore vehicle financing before an insolvency filing, during an active consumer proposal or bankruptcy, or after completing an insolvency process altogether. Each situation is assessed individually, based on affordability, lender criteria, and the person’s broader financial circumstances.
“Many people assume that once debt becomes a serious issue, every other option disappears,” says Nicole Atanasoaie, Representative at Right Turn Auto Credit. “Our role is very specific. We help people understand vehicle financing options that may be available to them, while encouraging anyone with broader debt concerns to seek licensed, regulated advice.”
While credit history and insolvency status may factor into a lending assessment, vehicle financing remains a separate consideration from insolvency advice.
Clear Boundaries Build Trust in a Confusing Market
The debt relief space has become increasingly crowded, and for many Canadians, it can be difficult to distinguish regulated advice from sales-driven messaging. Unlicensed consultants and aggressive marketing tactics have left some consumers feeling misled or pressured into decisions that were not right for them.
Professionals operating within regulated frameworks are responding by reinforcing clear boundaries and emphasizing informed choice.
“Financial decisions should never be influenced by convenience or sales pressure,” Harris adds. “Canadians deserve to understand all of their options, even when that means the right solution is outside of what any one organization provides.”
A Shift Toward Transparency and Confidence
Rather than promoting one-size-fits-all outcomes, this more balanced approach focuses on education, transparency, and directing individuals toward appropriate support at the right time.
For some Canadians, that means formal insolvency protection. For others, it means maintaining stability while rebuilding credit. Often, it means addressing both at different stages.
The common thread is clarity. When people understand their options and the roles of the professionals they are speaking with, they are better equipped to move forward with confidence.
About Harris & Partners
Harris & Partners is a federally regulated Licensed Insolvency Trustee firm providing consumer proposals, bankruptcies, and insolvency guidance to Canadians for over 60 years.
About Right Turn Auto Credit
Right Turn Auto Credit is a Canadian auto finance company that helps individuals access vehicle financing when traditional lenders may decline them due to credit challenges or prior financial difficulties.
Learn more:
https://harrisandpartnersinc.com/
Contact Information:
Right Turn Auto
2357 Royal Windsor Drive
Oakville, Ontario L6J 7X6
Canada
Nicole Atanasoaie
+1(844) 744-4884
https://rta.ca
