Over the last year 1 in 4 people who filed bankruptcy with Hoyes Michalos owned a house. In all cases we can show you how to keep your house, even if you decide to file bankruptcy.
Your house is your largest asset. It's your home, so you always pay your mortgage, but you are falling behind on your credit cards and other bills, and you worry that you may fall behind on your mortgage payments. You worry that you may lose your home.
Worrying about your home and your family is natural, but ask yourself this question: If I could deal with all of my other debts, would paying my mortgage be easy? For most people it's not the mortgage that's the problem; it's the credit cards, bank loans, payday loans and other bills.
At Hoyes Michalos, we can help. In many cases you can file bankruptcy and keep your home. For over half of the people we meet with a bankruptcy is NOT necessary; a consumer proposal is a better solution.
IMPORTANT: The longer you wait, the greater the risk that you fall behind on your mortgage, and that will put your house at risk.
To learn how to deal with your debts AND keep your house, contact a Hoyes Michalos professional today.
By contacting Hoyes Michalos & Associates Inc. you gain access to one of Ontario's largest and most experienced consumer proposal and bankruptcy firms.
I ended up about $77,000 in debt. I tried to do the consolidation route with the bank I thought it was going to work... suddenly it wasn't so I talked to Hoyes Michalos and they showed me how I could deal with my debt and keep my house.
Our professionals spend each day meeting with people in financial distress. We help real people just like you who have lost their jobs, gone through a marriage break up, suffered through an illness, and after these personal tragedies they are faced with an insurmountable amount of debt... These are not bad people!
Your Total Unsecured Debt: $
With up-to-date mortgage payments, filing for bankruptcy with Hoyes-Michalos will allow you to keep your house, and repay your debts with low monthly payments.
Enter your total unsecured debt into the debt options calculator to estimate your monthly payments according to your debt load.
Disclaimer Please note that these numbers are for illustrative purposes only. The actual amount you will pay may be higher or lower, and will depend on which creditors you owe (some creditors require more than others), and on what you can afford to pay each month (based on your family income, the size of your family, and your assets). For an accurate calculation, please contact us.
I want to thank you for all of your input and advice in April, as you helped me through a difficult time financially, and boy were you correct in saying that you thought I'd come out of this with flying colours! I'm current on top of my finances again... I want to thank for all the help you gave me when I needed it, Thank You.
Any question was answered, and in a very timely manner. You handled every detail with utmost professionalism. From the moment We started to work together right up to now , My mind was at ease and I am so happy to have reached the end of one road and the start of another. I have recommended you to others I have encountered in my position and want to once again thank you for helping me get my life (and finances) back in shape.
I am happy to say that I am finally able to put some money into a savings account each month; I am no longer living pay cheque to pay cheque. For this I am forever grateful to Hoyes Michalos and your staff. Thank you from the bottom of my heart.
For those out there who are struggling, hang tough - dig in your heels and stay focused - the immense relief is worth the effort.
And you just cannot find a better team to help you along the way - Hoyes Michalos you have my vote and I will refer everyone I know that needs a helping hand to manage debt. Thanks a lot to everyone - we are truly grateful.
Call us today to keep the roof over your head and the creditors off your back.