Check out our new documentary DEBTASIZED.

Check out our new documentary DEBTASIZED.

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

218 Brant Avenue
Brantford, Ontario

Toll Free: 1-866-747-0660

Call us today: (519) 770-4440

Book A Free Consult

For over 20 years, Hoyes, Michalos & Associates Inc. has helped hardworking Ontario residents get relief from their debts. If you have problem debt in Brantford, Ontario, our Licensed Insolvency Trustee, Howard Hayes, will work with you so you can achieve a fresh financial start.

Howard meets with clients living in Brantford, Tutela Heights, Brant, Busford, and Ohsweken. Leading our Brantford debt help office, he provides the following relief services:

As a skilled problem solver, Howard can help you deal with threats of wage garnishment and harassing collection calls. He will work with you to create a meaningful plan to eliminate your debts like a consumer proposal, which can reduce debt repayment by up to 80%.

“One thing I’m mindful of is that the person walking in the door, is facing this problem for the first time. They’re worried and anxious, so I take my time to understand their situation and financial history so I can give them sound, honest, and practical debt management advice. – Howard”

Book your FREE confidential debt assessment with Howard by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.

Meet Our Brantford Debt Experts

Howard Hayes, Licensed Insolvency Trustee

Howard Hayes is a Licensed Insolvency Trustee, Consumer Proposal Administrator and Chartered Insolvency Restructuring Professional (CIRP). Howard moved to Canada from the United Kingdom after meeting his wife here. He loves the culture, diversity, and way of life that Canada has to offer. For 15 years, Howard has been helping individuals in the Cambridge and Brantford regions eliminate their debt and get a fresh financial start. When he’s not in the office, Howard loves playing strategy board games with friends.

Kristen Kral BIA Insolvency Counsellor

Kristen, a Certified Credit Counsellor, and Client Service Specialist, has been with Hoyes Michalos since 2005, based in the Brantford office. Her journey began at the company’s head office, and over the years, she transitioned into her current role. Kristen takes pleasure in making clients feel comfortable right from the moment they step into her office. She takes pride in aiding them in their financial recovery and educating them on the importance of saving for the future. Kristen finds fulfillment in knowing she plays a part in her clients’ journey to success. Outside of work, she cherishes quality time with her family and friends.

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.

Elaine Spittal Avatar
Kristen has been wonderful. She helped me when I applied. She helped me when I was short for payment for xmas and now helped me with my income tax. I am so glad I met her. And I can't find the words to totally describe how kind understanding and completely ready to help immediately. She has never let me sit and wait on anything. She of things quickly. I just can't say enough. If there is a possibility of a raise for She deserves every penny. I am so impressed with her. Thank you Kristen.
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Elaine Spittal 4/11/2024
Vic Stranges Avatar
My experience has been wonderful. Kristen has been wonderful to deal with!
and she was amazing. She went over and beyond to help me in my situation. As well as bringing to my attention the other options .
Hoyes and Michalos saved me
now I can breathe!
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Vic Stranges 4/01/2024
Pj Lawrence Avatar
I can’t recommend this place enough. I can echo what others have said regarding Kristen and making this whole process so much easier and less judgemental than I thought possible. Kristen is so awesome and the whole team has done more for me and my family than I can really express here. I appreciate the help beyond words, thank you.
read more
Pj Lawrence 4/01/2024

Find Our Brantford Bankruptcy Office

DIRECTIONS: If heading west on Brant Ave, after passing Brantford Collegiate Institute and the Blue Dog Café, stop before you reach the lights at Palmerston Ave. We’ll be on the left hand side, sharing an office with a company called the Investment Planning Counsel. If heading east on Brant Ave, after passing the lights at St Pauls Ave, continue to the lights at Palmeston Ave.  We’re on the right, just after the lights. Either way, we are right across the road from the Avenue Medical Centre (the blue medical building).
There’s free temporary parking behind the building or on Brant Ave itself or the local side streets  such as Palmeston Ave and Maple Ave.

Consumer Proposals in Brantford

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 Brantford 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 Brantford 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 Brantford

Personal bankruptcy should be a last resort, but sometimes it is the right solution to help you get out of debt. Our Brantford 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 Brantford 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.

Brantford Debt Help

Brantford 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.

If you would like help becoming debt free, call our Brantford team today at 1-866-747-0660.

Office Address

218 Brant Avenue
Brantford, Ontario

Toll Free: 1-866-747-0660

(519) 770-4440

Map & Directions