Hoyes, Michalos was established in 1999 for one purpose: to help individuals get out of debt and gain a fresh financial start. If you are considering filing bankruptcy in Kitchener, we offer the following debt relief services:
- Consumer Proposals
- Personal Bankruptcy
- Credit Counselling
- Debt Consolidation
- Debt Settlement
In our principal office in the heart of Kitchener-Waterloo you will meet Scott Schaefer or Ian Martin, both Licensed Insolvency Trustees and Consumer Proposal Administrators. You will also meet with our certified credit counsellor, Diane Cunha. They will take the time to understand your situation, and then explain your options to become debt free. Many of our clients come to see us based on referrals from other satisfied clients because of the time and effort Scott, Ian, and Diane take to listen to your concerns and develop a plan that will work for you and your family. If you are receiving calls from creditors, barely keeping up with your minimum payment or taking on new debt like payday loans to keep up with old debt, it’s time to deal with your debt.
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 our Kitchener team by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.
Meet the Kitchener Team!
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.
Always giving great advice during a difficult time, making the process and time manageable .Barry Hosea 11/26/2019
Find Our Kitchener Bankruptcy Office
DIRECTIONS: Our Kitchener bankruptcy office is located on King Street next to Central Meat Market and across the street from KCI high school. Access to the building is available at both the front and rear of the building. Parking is in the back of the building up close to the back entrance – please use spots marked Hoyes Michalos Visitor Parking. Here is an image to help locate our visitor parking. If you are using public transportation, take the number 7 bus route (Conestoga Station direction) and get off at King/Kitchener Collegiate Institute stop. If you are using the ION light rail service, get off at Grand River Hospital Station and it’s a 6-minute walk to our office, heading south from the stop.
Consumer Proposal: Avoid Bankruptcy
Did you know that a bankruptcy trustee is now called a Licensed Insolvency Trustee? We are licensed by the federal government to help you deal with debt. Scott and Ian have extensive experience helping people in Kitchener dealing with overwhelming credit card debt, tax debts and payday loans.
Bankruptcy is not your only option. You may be able to file a consumer proposal as a way to avoid bankruptcy. In a consumer proposal you repay your creditors through a negotiated, legal, debt settlement administered by a consumer proposal administrator At Hoyes Michalos, we know how to balance what the creditors are looking for in terms of recovery while ensuring that what you offer fits within your budget. That is why we have a 99% consumer proposal acceptance rate.
If you would like help becoming debt free, call our Kitchener team today at 1-866-747-0660.