Consumer Proposals & Bankruptcy Advice Hamilton, ON

Office Address

1030 Upper James St, Suite 301
Hamilton, ON

Toll Free: 1-866-747-0660

(905) 777-0770

Map & Directions

If you live or work in Hamilton or the surrounding area and are having financial problems, we can help you eliminate your debt and start over. We provide relief with the following debt help services:

Our Hamilton bankruptcy office is managed by Licensed Insolvency Trustee (formerly bankruptcy trustee), Billy Martell, with support from certified Credit Counsellor, Christina Boumis. Billy and Christina have the 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 Billy or Christina they will help you find a way to eliminate the financial stress you are experiencing.

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 the Hamilton Team!

Billy Martell BA

Billy Martell, Licensed Insolvency Trustee

Billy Martell is a Licensed Insolvency Trustee managing our Hamilton and Burlington locations.

Read Billy's Full Bio »

Beau Humphreys BA, Certified Credit Counsellor

Beau Humphreys, Client Service Specialist

Beau is a Certified Credit Counsellor helping individuals in our Hamilton and Burlington offices. 

Read Beau's Full Bio »

Christina Boumis BA, Certified Credit Counsellor

Christina Boumis, Client Service Specialist

Christina is a Certified Credit Counsellor and Client Service Specialist with 13 years of experience. She helps clients experiencing financial difficulty out of our Brampton and Hamilton offices, and would be happy to speak with you about your financial situation.

Read Christina's Full Bio »

Peter Allen BAA, Certified Credit Counsellor

Peter Allen, Client Service Specialist

Peter is a Client Service Specialist and has helped provide solutions to a wide range of clients over the years. He meets with clients in our Niagara Falls, Hamilton, and Burlington offices.

Read Peter'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.

Joanne Bailey Avatar

I am very thankful for the nonjudgmental atmosphere I was greeted with and that was continued through the process of... read more

Joanne Bailey 2/22/2020
BRUCE Wilkinson Avatar

They do a wonderful job. Very informative with the details of the process. They gave me great advice and were... read more

BRUCE Wilkinson 1/29/2020
raymond barker Avatar

Staff was so extremely helpful and they made the process so easy. Help me reduce my debit and get me... read more

raymond barker 1/07/2020

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.

Similar Posts:

  1. Debt Consolidation vs Bankruptcy
  2. Hamilton Couple Happy With Proposal Results
  3. Credit Counselling vs Consumer Proposal – Which Should You Choose?
  4. How Can I Consolidate My Student Debt?
  5. Payday Loan Use Among Heavily Indebted Borrowers on the Rise

Office Address

1030 Upper James St, Suite 301
Hamilton, ON

Toll Free: 1-866-747-0660

(905) 777-0770

Map & Directions

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