Harris & Partners Inc. · Preliminary assessment · Internal working paper
Client—
Province—
Solution—
Quoted Terms—
Harris & Partners Inc. · Internal
Assessment Calculator
Calculations
Full detail behind the pinned quote — surplus, assets, proposal, bankruptcy and alternatives. All inputs live on the Intake tab.
Surplus income
Spouse disclosing
Spouse not disclosing
Realizable assets
Consumer proposal at 90% realization Division I at 95%
Consumer disclosing
Consumer not disclosing
Division I disclosing
Division I not disclosing
Proposal
60 month term
Consumer disclosing
Consumer not disclosing
Division I disclosing
Division I not disclosing
Monthly payments are rounded up to the nearest $5. The proposal total shown is that rounded monthly × 60 months, so it can sit a few dollars above the minimum calculated amount.
100% payback net of fees
Full repayment of unsecured debt, grossed up for the tariff
Disclosing
Not disclosing
Bankruptcy
Months 1–9
Months 10–21
Months 1–23
Months 24–36
Total
Student loan
Portion surviving the proposal
Spouse disclosing
Spouse not disclosing
If they do not file
Cost of clearing the same unsecured debt
Monthly
Months to clear
Interest paid
Total cost
Thresholds in force
Superintendent's standards, July 2026
Household
Disclosing
Not disclosing
Exemption, Ontario
Amount
Calculation notes and known issues
CP — Disclose$0 / mo
CP — Non-Disclose$0 / mo
BK — Disclose$0 / mo
BK — Non-Disclose$0 / mo
Budget Surplus / Deficit$0
Household Size1
Jump:
Monthly Budget
A live view of the debtor's monthly budget based on high level items received during intake. Items marked from intake (income, rent, proposal payment) fill automatically from the Intake tab so the surplus stays live.
Income$0
Expenses$0
CCB / CTB$0—
Surplus / Deficit$0
Household Count1
SFS
Budget standards based on the government criteria for reference. Auto-filled from intake and the standard amounts per family size — read only.
Income$0
Expenses$0
CCB / CTB$0
Surplus / Deficit$0
Household Count1
Payback Scenarios
Consumer proposal at each settlement level, over a 60‑month term
Settlement level
Total payback
Monthly, 60 months
Share of debt
Calculated from the total unsecured debt entered on the Interview tab. The highlighted row is the 100% payback net of the tariff.
