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Consumer Proposals
Consumer Proposal - #1 Alternative to Bankruptcy
Consumer Proposals Vs Bankruptcy
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Bankruptcy
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#1 Alternative to Bankruptcy
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Debt Consolidation: Is it right for me?
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Consumer Proposal? Bankruptcy? What is right for you?
Our Ontario experts will help you find the solution that is right for you.
1. Select a location near you:
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Barrie
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Brantford
Burlington
Cambridge
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Goderich
Guelph
Hamilton
Kitchener
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London
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North York
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Scarborough
St. Catharines
Toronto Downtown
Toronto Yonge/Bloor
Vaughan
Waterloo
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Outside of Ontario
Hoyes Micholos serves Ontario residents. If you live in another location, please
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2. Bills
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Estimate how much you owe:
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Less than $5,000
$5,000 - $10,000
$10,000 - $20,000
$20,000 - $50,000
$50,000 - $100,000
$100,000 - $250,000
> - $100,000
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What bills do you have?
Credit Cards
Taxes
Personal Loans
Payday Loans
Child Or Spousal Support
Mortgage
Student Loans
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How old is your student loan?
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Less than 5 years
5 or more years
Other bills:
3. Assets
Tell us about the assets you own:
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Do you own any real estate?
If so, are your mortgage payments in arrears?
Yes
No
Yes
No
Do you own a car or truck?
If so, are your car/truck payments in arrears?
Yes
No
Yes
No
Do you have any RRSPs?
Yes
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Describe any other significant assets:
4. Income
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Estimate your total monthly net income:
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$0 - $1,000
$1,000 - $2,000
$2,000 - $5,000
More than $5,000
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What kinds of income do you have?
None
Full-Time Job
Part-Time Job
Retirement Pension
Child Or Spousal Support
Social Assistance or Welfare
Other income:
5. Family
Please provide your family information below
Your marital status:
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Common-Law
Separated
Divorced
Widowed
Number of people in your family (including you):
6. Please send us your contact information
Hoyes Michalos Associates offices are now closed, but we can still offer you a quick response.
Please filling out the form below and click "Send". One of our team members will be in touch with you before 10 a.m. on the next business day when our offices reopen.
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During regular business hours one of our professionals will contact you
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Outside regular business hours we will contact you by
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Hoyes Michalos and Associates: Hours of Operation
Monday to Thursday 8:30 a.m to 5:30 p.m.
Friday 8:30 a.m to 4:30 p.m.
Saturday, Sunday and Statutory holidays Closed