Are you juggling one creditor to pay another? Are you looking for a safe debt settlement program?

The Licensed Insolvency Trustees at Hoyes Michalos can help you safely settle your debts and avoid bankruptcy.

A consumer proposal is a great settlement option because it:

  • Deals with almost all unsecured debts;
  • Results in one, single, lower monthly payment;
  • Eliminates interest;
  • Stops creditor actions;
  • Reduces principal repayment by as much as 70%.

Here is an example of how much a debt settlement through a consumer proposal can reduce your debt, all while keeping your car, house and other assets:


We can help you become debt free.