Hoyes Michalos & Associates is not a bankruptcy firm – we are a “fresh start” organization. This means that if you are having money problems, we will help you explore all of your bankruptcy alternatives.

Obviously we can help you file a personal bankruptcy, but you may be surprised to learn that we only file a bankruptcy for less than 10% of the people who contact us.

If you have more debt than you can handle, we will help you explore all of your options, including helping you consider a number of personal budgeting as a way to deal with your debts on your own. We will help you decide if a debt consolidation loan is a good option for dealing with your debts. We can refer you to a credit counsellor to prepare a debt management plan. And of course we are always happy to explain consumer proposals as an alternative to bankruptcy.

No-one solution fits everyone, so please contact us today and let our professionals work out a solution that’s right for you.