Consumer Proposals & Bankruptcy Advice Guelph, ON

Office Address

300 Willow Rd
Guelph, ON

Toll Free: 1-866-747-0660

(519) 823-0330

Map & Directions

Find an Office Near You

Offices throughout Toronto and Ontario

Get expert advice from one of the co-founders of Hoyes Michalos. Individuals experiencing debt problems in Guelph will meet personally with co-founder and Licensed Insolvency Trustee Ted Michalos. Our Guelph location provides expert advice on the following debt relief services:

  • Consumer Proposals
  • Personal Bankruptcy
  • Credit Counselling
  • Debt Consolidation
  • Debt Settlement

Ted will listen carefully to all the details of your situation, and then explain your options. Many of our clients avoid bankruptcy by filing a consumer proposal. If a debt consolidation loan or debt management plan make more sense, Ted will tell you. Once you have all the facts, you can make an informed decision about the right choice for your personal situation.

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

Find Our Guelph Bankruptcy Office


DIRECTIONS: Hoyes Michalos’ Guelph office is located near the corner of Willow Road and Silvercreek Parkway, in the building called the Cornerstone Building, across from Willow West Mall. We are the first office on the left side on the second floor.

From the 401: Take Highway 6 North (approximately 14 kms) and turn right at the Willow Road exit.

Meet the Guelph Team

Cyndi Michalos-Baker BA, Certified Credit Counsellor

Cyndi Michalos-Baker, Client Service Specialist

Cyndi Michalos-Baker is a certified Credit Counsellor and Client Service Specialist meeting with individuals in our Guelph office.

Read Cyndi's Full Biography »

Meg Penstone BSc, MBA, Certified Credit Counsellor

Meg Penstone, Client Service Specialist

Meg has over 20 years of experience working with individuals and couples experiencing financial difficulty. She primarily works out of our Cambridge and Guelph offices.

Read Meg's Full Biography »

Ted Michalos BA, CPA

Ted Michalos, Licensed Insolvency Trustee

Ted is our co-founder and is a Chartered Professional Accountant, certified Insolvency Counsellor, Licensed Insolvency Trustee, Consumer Proposal Administrator, and the President of Hoyes, Michalos & Associates Inc. Ted meets personally with clients in our Guelph office.

Read Ted's Full Biography »

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.

Thank you for all your help over the past couple of years. I always had a very positive experience when I had to call your office with questions. Your staff is really professional, but most of all, I found them to be compassionate advocates.

Emma S | $65,565 in debts | Guelph

Consumer Proposal and Bankruptcy Services

One of the services we provide in Guelph is a consumer proposal. A consumer proposal allows you to avoid bankruptcy, repay only a portion of your debt and keep your assets. You consolidate your debts into one, lower monthly payment by spreading your negotiated settlement over a period of up to 5 years. In Guelph, more than one-half of all insolvencies filed are a consumer proposal.

We always consider bankruptcy to be a last resort, however for some residents of Guelph it can be the best option to get out of debt. Ted will clearly explain the steps needed to file bankruptcy in Guelph and how filing bankruptcy to eliminate your debt is a first step to rebuilding your fresh start.

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

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