Check out our new documentary DEBTASIZED.

Check out our new documentary DEBTASIZED.

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

1030 Upper James St, Suite 301
Hamilton, Ontario

Toll Free: 1-866-747-0660

Call us today: (905) 777-0770

Book A Free Consult

If you are struggling with making debt payments in Hamilton, Ontario or the surrounding regions of Stoney Creek, Ancaster, Jerseyville, Dundas and Millgrove, our Hamilton debt relief office can help you eliminate your debt obligations and start over. We provide the following debt help services:

Our Hamilton bankruptcy office is managed by Licensed Insolvency Trustee, Billy Martell, who has over 14 years of experience working with individuals to achieve financial freedom. Billy is also supported by certified Credit Counsellor Peter Allen. Billy and Peter have extensive knowledge and experience to review your situation carefully, explain all your options, whether that means filing bankruptcy in Hamilton or making a consumer proposal to your creditors or any other debt management solution. When you meet with our debt experts, they will help you find a way to eliminate the financial stress you are experiencing.

“I take my time with clients, listen to their concerns, so that I can get a full understanding of their financial situation. Honestly, I know this process can be intimidating, but I’m here to guide you. – Billy”

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 Hamilton 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. 

Peter Allen BIA Insolvency 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.

Judi Wylie Avatar
Billy made me feel very relaxed and comfortable during my proposal. He is very professional, compassionate, friendly and kind and answered any questions I had. The office staff is very friendly as well. Thankyou for making this experience easy and less stressful. Thankyou for all your help and for listening. I would recommend his office to anyone.
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Judi Wylie 5/03/2024
John Borges Avatar
thank you Peter Allen for helping me with my consumer purposal. He is very informative and understanding made me feel like I was safe and in good hands also immediately helped to take a freeze off my bank account. Now that my purposal has been accepted I am now on my way to debt freedom with low monthly payments I would strongly recommend this company to anyone needing a bankruptcy or consumer purposal or even consolidation they are very professional and down to earth and treat you like a person not just a client thanks again for helping me!
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John Borges 4/15/2024
Julie F Avatar
I recently reached out to this establishment for help with my debt.....I was so ashamed and worried and stressed when I met with Billy....I will tell you after that very first meeting I wished had reached out sooner....I was shown empathy about my situation and the utmost respect right from the start....I am now on my way to fixing and resolving my debt issue....a big thank you to Billy and the hoyes michalos association for being there for me when I needed help the most..... anyone out there who has the same problem that I had.... don't be afraid to reach out they really do help you
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Julie F 4/05/2024

Find Our Hamilton Bankruptcy Office

DIRECTIONS: Our Hamilton office is in a four-storey, light-brown office building, across the street from Upper James Toyota Used Car Dealership.

Consumer Proposals in Hamilton

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 Hamilton 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 Hamilton 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 Hamilton

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

Hamilton Debt Help

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

Office Address

1030 Upper James St, Suite 301
Hamilton, Ontario

Toll Free: 1-866-747-0660

(905) 777-0770

Map & Directions