When you need debt relief, the debt management experts at Hoyes, Michalos & Associates Inc. can guide you to the best solution. Our Brampton location offers the following debt help services:
- Consumer Proposals
- Personal Bankruptcy
- Credit Counselling
- Debt Consolidation
- Debt Settlement
At Hoyes Michalos you always talk with a licensed debt professional about your situation. In Brampton, you will meet with Licensed Insolvency Trustee, Jason Quinney. Jason can help you find the safest, most cost-effective way to eliminate your debts. You may not need to file bankruptcy. Jason can explain options like a consumer proposal which can help you reduce your debt by up to 80% while protecting your assets like the equity in your home.
Free, No-obligation Consultation
Imagine what it would be like to be free of worries and debt. The right solution depends on your unique situation. To understand your needs, we provide a free 30 minute, no-obligation debt assessment. Need more than 30 minutes? No problem, we will take as much time as you need to answer your questions. Need a second or third consult before deciding? Again, no problem. All our consultations are free.
Book your FREE confidential debt assessment with Jason by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.
Meet the Brampton Team!
Christina is a Certified Credit Counsellor and Client Service Specialist with 13 years of experience. She helps clients experiencing financial difficulty out of our Brampton and Hamilton offices, and would be happy to speak with you about your financial situation.
What Our Clients Say
Our process 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. We’ve been helping people living and working in the Brampton region find the right debt solutions to get out of debt since 1999.
Find Our Brampton Bankruptcy Office
DIRECTIONS: From Hwy. 401 or 407, head north on Hurontario. After the first major intersection of Ray Lawson & County Court Blvd look for the shopping plaza on the left hand side.
From Main St., head south past Steeles Ave. W., when it turns into Hurontario St. the plaza entrance will be on the right.
In the plaza of the Longo’s Foodstore/Second Cup/Beer Store, access to the elevators is located directly beside the Oxford Tutoring Centre. Even though the unit number is 411, we are on the 2nd floor.
What options can help you get out of debt in Brampton?
Filing bankruptcy in Brampton is not the only way to deal with debt problems.
Consumer Proposal Brampton
You may want to consider filing a consumer proposal to your creditors. A Brampton consumer proposal is an offer negotiated with your unsecured creditors with the help of a Licensed Insolvency Trustee to repay your debts for less than you owe.
If you file a consumer proposal in Brampton you:
- keep your assets including your car, home and RRSPs
- stop creditor calls
- consolidate your debt into one lower monthly payment.
A consumer proposal can be a good alternative to an expensive debt consolidation loan. Payments can be spread over a period of 5 years and are interest free and there are no up-front fees. What you pay is exactly, and only, what repayment you negotiate with your creditors at the beginning of the consumer proposal process
Bankruptcy is the last solution we look at when explaining your debt relief options. Personal bankruptcy is a legal process that stops creditor actions like a wage garnishment and collection calls and eliminates your debt. In most situations, a bankruptcy can be completed in just nine months. If bankruptcy is right for you, Jason will explain how bankruptcy works and how to begin the process of rebuilding your finances.
Still undecided if a bankruptcy or consumer proposal is right for you?
We’re here to help you get out of debt. If you would like help becoming debt free, call our Brampton team today at 1-866-747-0660 for a free initial consultation.