Debt Help & Credit Counselling in Kitchener, Ontario

Office Address

800 King Street West, Suite 2A
Kitchener, ON

Toll Free: 1-866-747-0660

Local: (519) 747-0660

Map & Directions

Hoyes Michalos has been helping people with credit and debt problems since 1999. Our goal is to help you become debt free.

If you are struggling with debt payments and dealing with creditors we can help you:

  • Stop frequent and aggressive calls from debt collectors
  • Stop creditor actions like lawsuits and wage garnishments
  • Consolidate your debts into one monthly payment
  • Provide you with the lowest cost alternative to get out of debt

How our credit counselling program works

  1. We start by conducting a full review of your personal financial situation and budget.
  2. We explain all your financial options including:
    • Budgeting your way out of debt
    • Applying for a debt consolidation loan
    • Repaying your debts through a debt management plan
    • Making a deal to settle your debts with your creditors
  3. We help you develop a plan to repay your debts that you can afford.

A better debt consolidation program

As Licensed Insolvency Trustees, Hoyes Michalos can offer a program called a consumer proposal. There is no need to refer you to another company – we can do this for you directly in our Kitchener credit counselling office.

A consumer proposal is the only debt solution that allows you to consolidate all your unsecured debts and repay less than you owe.  A traditional debt management plan requires you to pay back all of your debts plus a fee, usually an extra 10%.  With Hoyes Michalos, if a consumer proposal is the right solution for you, you can save up to 70% and there are no extra fees.  For those who cannot afford to repay their debts, a consumer proposal is the best debt consolidation program available.

If you enroll in a consumer proposal, you will receive two, free credit counselling sessions with a certified credit counsellor as part of the program.  These sessions are to teach you how to manage a budget, use credit wisely and rebuild your credit.  If you want a free third session, we are happy to provide that as well. 

And while we can offer bankruptcy as a solution, that is seldom necessary.  Less than 10% of the people we help need to file bankruptcy.  We’ll only suggest that option if there is no other alternative.

Get Credit & Debt Counselling from a Licensed Professional

Licensed Insolvency Trustees are the only federally regulated, and licensed, credit and debt counsellors in Canada.

  • We are experts in debt relief in Ontario.
  • We are real people. When you call us during normal business hours you will talk to a live person, not voice mail.
  • You always meet with a licensed credit counsellor – in person, not just over the phone.

Our counselling begins with a free, no-obligation consultation. Take the first step, contact us today to find out how we can help you become debt free.

Office Address

800 King Street West, Suite 2A
Kitchener, ON

Toll Free: 1-866-747-0660

Local: (519) 747-0660

Map & Directions

Credit Counselling Kitchener

Office Address

800 King Street West, Suite 2A
Kitchener, ON

Toll Free: 1-866-747-0660

Local: (519) 747-0660

Directions: DIRECTIONS: Our Kitchener office is located on King Street next to Central Meat Market and across the street from KCI high school. Access to the building is available at both the front and rear of the building. Parking is in the back of the building up close to the back entrance – please use spots marked Hoyes Michalos Visitor Parking. Here is an image to help locate our visitor parking. If you are using public transportation, take the number 7 bus route (Conestoga Station direction) and get off at King/Kitchener Collegiate Institute stop. If you are using the ION light rail service, get off at Grand River Hospital Station and it's a 6-minute walk to our office, heading south from the stop.

What Our Clients Say

Our concept is simple. If you give us 30 minutes of your time, our knowledgeable, experienced team will help you build a plan to become debt free.

MEAGAN MARTINMEAGAN MARTIN

If you are in a financial crisis get help now! Don't wait and hope it will all go away. Debt has been robbing me of my quality of life for too long and my only regret is not coming in sooner. I entered carrying the weight of my shame and defeat and left with the first shred of relief I have experienced in years! From the very first email correspondence to the actual first meeting the experience was nothing but positive! I have a lot of social anxiety and was terribly nervous but the second Ian started speaking I felt calm and determined that together we would come up with a plan that suited my situation and my means. He was thorough, spoke in terms I understood and made sure everything was making sense to me. He is the type of person that you instantly trust because it is so evident that all he cares about is you and your well-being. I was prepared for tears but instead of tears there was laughter. There was positivity and clarity and hope, all things I thought I'd never feel again under the shadow of this debt. There was zero judgement and I never felt that any of his questions were intrusive or made me uncomfortable. Just knowing that I have his guidance and that there is a clear plan to recover from this setback means more than anything right now. He followed up in an email almost immediately after our meeting to let me know that I can ask questions at any time and turned this money-trouble mountain into a money hill. I urge you to not let your pride or shame delay you from seeking help immediately! It's going to take some time and commitment on my part to get there but one meeting was all it took to make me optimistic about the next steps and my financial future.

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John RabideauJohn Rabideau

I had researched about 8 different firms before choosing Hoyes-Michalos & Associates and found them to be among the most honest ... Their level of expertise, professionalism and guidance was , in my mind, of the highest standards of excellence. I hold them in the highest of regards and most worthy of my highest recommendations...
I went in with their recommendations to declare bankruptcy which was against my first choice of a consumer proposal... Everything has worked out unusually well for me. Today I am debt free and a far better and aware manager of my financial resources...and I have healed myself from the trauma of catastrophic losses on 911.

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