Check out our new documentary DEBTASIZED.

Check out our new documentary DEBTASIZED.

Debt Relief Solutions in Brampton
Licensed Insolvency Trustees & Credit Counsellors
Consumer Proposal • Debt Consolidation • Bankruptcy
Get a Personalized Debt Free Plan

7700 Hurontario St, Unit 411
Brampton, Ontario

Toll Free: 1-866-747-0660

Call us today: (905) 459-2986

Book A Free Consult

If you are struggling to eliminate debt in Brampton, Ontario, the experts at Hoyes, Michalos & Associates Inc. would be happy to discuss your options. Our Brampton debt relief location has been helping clients get their finances back on track since 1999.

Our Brampton Licensed Insolvency Trustee Jason Quinney will carefully review your financial situation and explain all your debt repayment options, including:

Jason has spent most of his life in Brampton and he understands the struggles residents in the region have had to face over the years. Jason and our Brampton Credit Counsellor Natasha Richards work hard to help clients find the safest, most cost-effective way to eliminate their debts.

With a wealth of experience under his belt, Jason also knows that you may not even need to file bankruptcy to achieve debt relief. 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.

“I know that talking about debt is not an easy thing. I’m here to help you address your concerns. I’m going to go over basic questions with you, outline your options and you can decide how you want to proceed from there. You’ll never be pressured. – Jason”

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 Our Brampton Debt Experts

Jason Quinney, Licensed Insolvency Trustee

Jason Quinney is a Licensed Insolvency Trustee, Consumer Proposal Administrator and Chartered Insolvency Restructuring Professional (CIRP). Jason has been helping clients in Brampton for nearly 15 years get a new lease on life by eliminating their debt problems. He knows the Brampton region well, having spent much of his life in the city. He also understands the unique socio-economic challenges facing Brampton residents. Jason takes delight in providing individuals with relief and hope for a better financial future. When he’s away from the office, Jason spends time with his wife and three children, supporting their extra-curricular activities.

Natasha Richards BIA Insolvency Counsellor

Natasha is a Certified Credit Counsellor and Client Service Specialist. She has more than five years of experience helping hard-working individuals in the Brampton and Greater Toronto Region achieve relief from their debt burdens. Natasha is committed to providing the best service for her clients and works closely alongside them as they pay off debt and gain a fresh start. In her spare time, she loves to play sports with her friends. 

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. We meet with individuals in Brampton and the surrounding areas of Caledon, Bolton, Orangeville, and Georgetown.

Amanda Jemmett Avatar
Being in debt is hard enough, and when you reach out for help, most look at you with disdain, making you feel even worse about being in your current situation.
But when I connected with Jason, I felt heard and understood. Since starting the process to rid myself of the debt drowning me, the weight of stress had been lifted. I finally had a good night's sleep, ate better, and felt as though I could breathe again.
That's the difference between a company who listens and cares and one who just wants more business.
I cannot thank him enough for all his help and will never not recommend this company to other's in need!
read more
Amanda Jemmett 5/04/2024
Idayalis mendoza Avatar
I had a great experience with Hoyes, Michalos & Associates. They were quick to help me, Jason did everything he could to help me out. Overall I had an amazing experience. Would gladly recommend them to anyone.
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Idayalis mendoza 4/28/2024
Dennis Avatar
I had my 2nd counseling session with Janette today and we followed up on my progress thus far. I was provided with some excellent guidelines to help improve my credit score, build my savings and track expenses. Janette offered me excellent tips to achieve short and long term goals in regards to saving and re-establishing myself financially. She took the time to answer my concerns and provided me with links to resources offered that will continue to assist me on my journey to financial freedom. Thank you for contributing to another great customer experience with Hoyes,Michalos & Associates!
read more
Dennis 4/24/2024

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.

We are in the plaza of the Longo’s Grocery store/Wok of Fame and McDonald’s. Across the street from the Brampton courthouse.

Once you’ve entered the plaza, we can be found three doors down from the Scotiabank. Between the Oxford Learning Centre and the Synergy Performing Art Academy, there will be a set of double doors that say Offices. We are located on the 2nd floor, unit 411.

If you arrive after 6:00 p.m. Monday through Friday or on a Saturday, the doors will be locked. A buzzer box is located outside the double doors; use the buzz code 1009 to enter.

Consumer Proposals in Brampton

A consumer proposal is a legal debt relief solution legislated with the federal government to consolidate and settle your debt for less than you owe.

Here are the top 10 benefits of a consumer proposal.

  1. write-off up to 80% of your debts
  2. stop collection calls
  3. stop a wage garnishment
  4. unfreeze your bank account
  5. legally binding on all unsecured creditors
  6. deals with CRA and payday loan companies
  7. you keep your assets including your tax refund
  8. reduce your monthly payment to something that is affordable
  9. no interest on monthly payments
  10. avoid bankruptcy

Hoyes, Michalos has a 99% success rate for consumer proposals we file. We work with you to craft an offer you can afford.

The cost of a consumer proposal is known upfront. What you pay is exactly, and only, what repayment you negotiate with your creditors at the beginning of the consumer proposal process. Once you complete your payments and the terms of your proposal, your debts are eliminated.

A consumer proposal can only be filed with a Licensed Insolvency Trustee like Hoyes Michalos. Learn how to file a consumer proposal or contact our Brampton team today to talk about how a consumer proposal can help you get out of debt and avoid bankruptcy.

Debt Consolidation vs Consumer Proposal

If you have significant credit card debt, tax debts or other unsecured debts, you may be wondering if a debt consolidation loan, home equity loan or second mortgage are a good option to consolidate your debts.

There are risks with consolidating with a debt consolidation loan. You may have equity but may not qualify for a second mortgage at reasonable rates. 

Our Brampton debt professionals can help you review your debt restructuring options and compare the pros and cons of a new loan or second mortgage with making a formal, debt settlement offer to your creditors through a consumer proposal.

Filing Personal Bankruptcy in Brampton

Personal bankruptcy should be a last resort, but sometimes it is the right solution to help you get out of debt. Our Brampton licensed insolvency trustee can help you decide if filing bankruptcy is the best option to eliminate your debt.

No matter how serious the debt problem, remember there are always debt relief options. At Hoyes, Michalos you always talk to an expert. Consultations are free and we offer flexible appointment times. Call our Brampton experts at 1-866-747-0660 or email us today.

A bankruptcy and consumer proposal can only be filed through a Licensed Insolvency Trustee. We are licensed by the federal government to help you deal with debt.

Brampton Debt Help

Brampton Licensed Insolvency Trustee location

Debt problems don’t go away on their own. If you cannot afford to repay your debts on your own, as Licensed Insolvency Trustees we help you explore all your options and choose the solution that is best for you.

Break Free From Credit Card Debt

If you are only making minimum payments on your credit cards it will take you years to pay off your balances, if at all. We can help you consolidate your payments and make a settlement offer that can lower your credit card balances by as much as 70%. Your credit cards are rolled into one reduced monthly payment.

This is not a new loan, it’s a government-approved interest-free debt settlement plan payable over up to five years.

Stop the Payday Loan Cycle

Payday loans cause financial stress because the interest accumulates faster than you can pay it off. Over time this eats away at your paycheque. Once you fall behind, payday lenders use aggressive collection tactics like calling your employer and garnishing your wages.

We can include payday loans in your program and help you break the payday loan cycle.

Get Tax Debt Relief

Only a Licensed Insolvency Trustee has the options that can help you reduce your tax debt liability. We can negotiate directly with CRA to create a repayment plan, stop interest and penalties and settle tax debt. If CRA has frozen your bank account or garnished your wages, we can reverse those actions.

Student Loan Debt Forgiveness

Looking for help resolving student loan debt? If you have been out of school for 7 years, your government student loan debt can be discharged through a bankruptcy or consumer proposal.

Eliminate High-Interest Installment Loans

You may have tried to consolidate or pay bills by taking out a high-cost financing loan. While these types of consolidation loans can help you deal with the immediate demand for repayment, they come with an interest rate of 39%, 49% and even 59%.  Installment loans meant for those already in debt or with poor credit just postpone, rather than solve the problem.

Unsecured loans, whether owed to a bank, credit union or financing company can be eliminated with payments determined based on what you can afford.

Why Talk with a Licensed Insolvency Trustee?

If like many of our clients, you are struggling with debt repayment, this is a cycle that is best broken by working with a Licensed Insolvency Trustee near you. We are licensed by the Government of Canada to help you with your debts.

We can help you break free from debt.

Office Address

7700 Hurontario St, Unit 411
Brampton, Ontario

Toll Free: 1-866-747-0660

(905) 459-2986

Map & Directions