Consumer Proposals & Bankruptcy Advice Kitchener, ON

Office Address

800 King Street West, Suite 2A
Kitchener, ON

Toll Free: 1-866-747-0660

(519) 747-0660

Map & Directions

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.

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 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!

Ian Martin BA, MAcc, CPA, CA, CIRP

Ian Martin, Licensed Insolvency Trustee

Ian Martin is a Chartered Professional Accountant, Consumer Proposal Administrator, and Licensed Insolvency Trustee in our Kitchener location.

Read Ian's Full Biography »

Scott Schaefer BA, CPA, CA, CIRP

Scott Schaefer, Licensed Insolvency Trustee

Scott Schaefer is a Chartered Professional Accountant, Licensed Insolvency Trustee and Consumer Proposal Administrator working out of our Kitchener office.

Read Scott's Full Biography »

Diane Cunha BA, Certified Credit Counsellor

Diane Cunha, Client Service Specialist

Diane is a Certified Credit Counsellor meeting with clients in our Kitchener office. Diane is happy to discuss your financial situation with you via phone or email.

Read Diane'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.

John RabideauJohn Rabideau

I had researched about 8 different firms before choosing Hoyes-Michalos & Associates and found them to be among the most honest ... Their level of expertise, professionalism and guidance was , in my mind, of the highest standards of excellence. I hold them in the highest of regards and most worthy of my highest recommendations...
I went in with their recommendations to declare bankruptcy which was against my first choice of a consumer proposal... Everything has worked out unusually well for me. Today I am debt free and a far better and aware manager of my financial resources...and I have healed myself from the trauma of catastrophic losses on 911.

Read More

If you are in a financial crisis get help now! Don't wait and hope it will all go away. Debt has been robbing me of my quality of life for too long and my only regret is not coming in sooner. I entered carrying the weight of my shame and defeat and left with the first shred of relief I have experienced in years! From the very first email correspondence to the actual first meeting the experience was nothing but positive! I have a lot of social anxiety and was terribly nervous but the second Ian started speaking I felt calm and determined that together we would come up with a plan that suited my situation and my means. He was thorough, spoke in terms I understood and made sure everything was making sense to me. He is the type of person that you instantly trust because it is so evident that all he cares about is you and your well-being. I was prepared for tears but instead of tears there was laughter. There was positivity and clarity and hope, all things I thought I'd never feel again under the shadow of this debt. There was zero judgement and I never felt that any of his questions were intrusive or made me uncomfortable. Just knowing that I have his guidance and that there is a clear plan to recover from this setback means more than anything right now. He followed up in an email almost immediately after our meeting to let me know that I can ask questions at any time and turned this money-trouble mountain into a money hill. I urge you to not let your pride or shame delay you from seeking help immediately! It's going to take some time and commitment on my part to get there but one meeting was all it took to make me optimistic about the next steps and my financial future.

Read More
Peter KayPeter Kay

Very helpful and informative.

They were able to direct me to the best solution in a minimum of time.

Read More

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.

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Office Address

800 King Street West, Suite 2A
Kitchener, ON

Toll Free: 1-866-747-0660

(519) 747-0660

Map & Directions

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