Consumer Proposals & Bankruptcy Advice Cambridge, ON

Office Address

7 Grand Avenue S, Unit 106
Cambridge, ON

Toll Free: 1-866-747-0660

(519) 622-3773

Map & Directions

Hoyes Michalos has been helping people get out of debt since 1999. Our Cambridge location offers the following debt help services:

Howard Hayes, our Cambridge trustee, has been working in the debt relief industry since 2005; first as a Credit Counsellor and now as a Licensed Insolvency Trustee. Howard’s approach is to provide solid, honest advice about your situation and about what solutions will work for you to find your fresh financial start.

Free 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 Howard by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.

Meet the Cambridge Team!

Howard Hayes Btec, CIRP

Howard Hayes, Licensed Insolvency Trustee

Howard Hayes is our Licensed Insolvency Trustee and Consumer Proposal Administrator in charge of our Brantford and Cambridge locations.

Read Howard's Full Bio »

Patricia Sweeney Certified Credit Counsellor

Patricia Sweeney, Client Service Specialist

Patricia is a Certified Credit Counsellor and Client Service Specialist. She would love to talk to you about any financial issues you are facing. Patricia meets with clients at our Cambridge office. 

Read Patricia's Full Bio »

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.

Stephanie Senyk Avatar

I came into a hard time in my life. I was looking for help and this office appealed to me.... read more

Stephanie Senyk 3/11/2020
brenda hanes Avatar

I am so pleased to have found help with my finances. Hoyes, Micalos @Associates have been super helpful and I... read more

brenda hanes 3/09/2020
Candy E446 Avatar

I give Hoyes Michalos & Associates a big thumbs up!! The trustee was quick to respond to my phone calls.... read more

Candy E446 3/07/2020

Find Our Cambridge Bankruptcy Office

DIRECTIONS: Located in the historic downtown Cambridge area and beside the University of Waterloo School of Architecture. Free parking is available.

Consumer Proposal and Bankruptcy in Cambridge

A consumer proposal is an option under the Bankruptcy and Insolvency Act to make a deal with your creditors to settle your debts for less than you owe. Filed through a Licensed Insolvency Trustee as an approved government debt relief program, you receive the same protections available through bankruptcy, however because you spread your payments over a period of up to 5 years, your monthly payments are lower than they might be in a bankruptcy, debt consolidation loan or debt management plan.

Your options for getting out of debt might include filing personal bankruptcy, although we consider this to be the option of last resort. During your free debt assessment, Howard will review your situation to see if alternatives like budgeting, credit counselling, debt consolidation or consumer proposal.

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

Similar Posts:

  1. Debt Consolidation vs Bankruptcy
  2. Cambridge Resident Found Debt Relief with a Consumer Proposal
  3. Credit Counselling vs Consumer Proposal – Which Should You Choose?
  4. Guidance to Get Through the Debt Proposal Process
  5. Debt Settlement: Which Option Lets You Rebuild Your Credit Faster?

Office Address

7 Grand Avenue S, Unit 106
Cambridge, ON

Toll Free: 1-866-747-0660

(519) 622-3773

Map & Directions

Find an Office Near You

Offices throughout Toronto and Ontario