In consideration of COVID-19, consultations are now available by phone and video chat.

We are now available by phone and video chat.

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

2289 Fairview St, Unit 315
Burlington, Ontario

Toll Free: 1-866-747-0660

Call us today: (905) 632-8299

Book A Free Consult

We know that managing too much debt causes emotional and financial stress. If you are overwhelmed with your debt payments in Burlington, Ontario, our dedicated team is ready to help.

For over 14 years, Licensed Insolvency Trustee Billy Martell has assisted individuals residing in Burlington, Aldershot, Jerseyville, and Waterdown eliminate their debt problems. Our Burlington debt relief office provides the following services:

Billy works alongside Certified Credit Counsellors Peter Allen and Beau Humphreys. They will meet with you personally to understand your current financial situation and provide you with a custom-tailored solution to your overcome your debt burden. Whether you are struggling to repay credit card debt, payday loans or income tax debt, we can help you achieve a fresh financial start.

“When meeting with my clients, it’s important in my mind, to be patient and try to understand what their needs and goals and what they want to achieve in the long-term financially. I like to teach my clients how to be more successful and help them through this process, which I know is very new to them, but we’re in it together. – Billy”

We present all your bankruptcy alternatives in Burlington such as a consumer proposal and how they compare to solutions such as a debt consolidation loan or credit counselling services.

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

Meet Our Burlington Debt Experts

Billy Martell, Licensed Insolvency Trustee

Billy Martell is a Licensed Insolvency Trustee and Consumer Proposal Administrator. He has lived in the Hamilton region for over 18 years and has worked extensively in both Hamilton and Burlington, helping residents facing debt problems get a fresh financial start. He loves to see his clients become successful money managers and takes his time to understand their unique situation. In his free time, Billy volunteers with Habitat for Humanity. He has a passion for the great outdoors and spending time with his family. 

Beau Humphreys BA, Certified Credit Counsellor

Beau Humphreys is a Certified Credit Counsellor and Client Service Specialist. Beau is very passionate about financial literacy and loves that it’s his job to help clients get rid of their debt and focus on new financial goals like having a strong emergency fund, going back to school, or home-ownership. Beau meets with individuals in the Hamilton and Burlington regions. He and his family live in Hamilton and his wife is currently enrolled in medical school at McMaster University. Beau is eager to provide his clients with tools and resources to better manage their money and regain a new sense of self. In his spare time, he likes to travel and attend financial education events.

Peter Allen BAA, Certified Credit Counsellor

Peter Allen is a Certified Credit Counsellor and Client Service Specialist. He has an intimate understanding of the communities in which he meets with clients. Peter has over 15 years of experience in customer service and business development. He is a thoughtful counsellor and takes his time to explain all your relief options so you are better equipped to deal with your debt. He recognizes that debt problems lead to stress and he is ready to help you find a way to improve your financial situation so you can rebuild your future. Outside of work, Peter loves to spend time with his family and watch movies and sports.

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.

A Google User Avatar

The team is very knowledgeable and helpful. They explained everything to me. They were always available to send any answers... read more

A Google User 8/31/2020
Sylvia C Avatar

The team is very knowledgeable and helpful. They explained everything to me. They were always available to send any answers... read more

Sylvia C 8/31/2020
Byron Wadden Avatar

I wanted a fresh start. I was stuck in a high interest credit card with a balance that continued to... read more

Byron Wadden 8/18/2020

Find Our Burlington Bankruptcy Office

DIRECTIONS: From Hamilton: Eastbound on the QEW take the Brant Street exit and turn right on Brant Street to Fairview Street. Turn left on Fairview Street and continue east just past Drury Lane. The office is located on your left hand side in the Fairview Business Park.

Consumer Proposals in Burlington

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 Burlington 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 Burlington 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 Burlington

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

Burlington Debt Help

Burlington 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 Burlington team today at 1-866-747-0660.

Office Address

2289 Fairview St, Unit 315
Burlington, Ontario

Toll Free: 1-866-747-0660

(905) 632-8299

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