Debt Help & Credit Counselling in Markham, Ontario

Office Address

3621 Highway 7 East, Suite 308
Markham, ON

Toll Free: 1-866-747-0660

Local: 289-301-3727

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 Markham 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

3621 Highway 7 East, Suite 308
Markham, ON

Toll Free: 1-866-747-0660

Local: 289-301-3727

Map & Directions

Credit Counselling Markham

Office Address

3621 Highway 7 East, Suite 308
Markham, ON

Toll Free: 1-866-747-0660

Local: 289-301-3727

Directions: DIRECTIONS: Our Markham office is located in a retail-office plaza just west of Warden Ave. on the south side of Highway 7. It is situated next to Hilton Toronto/Markham Suites Conference Centre and across from Markham Civic Centre. There is ample free parking. Since the ground level spots fill up quickly, we suggest you park in the free underground parking. The entrance to the underground parking lot facing the Hilton. Our office address is 3621 Highway 7 East; our building is the shorter of the two buildings, and it is NOT the HSBC Building. We are on the third floor, Suite 308. If you are taking the bus, you can find us at the Town Centre station/stop on the York Region Transit VIVA transit corridor on Highway 7. VIVA Pink or VIVIA Purple lines will bring you right to our door. The Unionville GO Station is approximately 10 minutes away by car/bus and connects to our office via the VIVA Pink bus line. Click here for the VIVA system map.

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.

Steve Ali Avatar
Steve Ali
11/11/2019 - Google

I was looking for a place to do the proposal and you guys came up and you seemed to meet... read more

Alexey Dolgansky Avatar
Alexey Dolgansky
11/03/2019 - Google

Great service! Nicholas explained everything in detail and made the experience very easy. Thank you for the help! Highly recommend.