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. 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 and Ian 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.
Find Our Kitchener Bankruptcy Office
DIRECTIONS: Our Kitchener bankruptcy office is located on King Street across from McDonald’s (now closed) and the new Google building, in the same plaza as Subway and the LCBO. We are on the second floor in suite 204. Click here for updated information and maps regarding access to our Kitchener office after the LRT construction.
Meet the Kitchener Team
Christina is a Certified Credit Counsellor and Client Service Specialist with 13 years of experience. She helps clients experiencing financial difficulty out of our Kitchener office, and would be happy to speak with you about your financial situation.
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 your help! I was treated well every step of the way. The advice was excellent and my trust in your organization was well placed. Thanks again for everything.”
Harold P. | Kitchener, ON | Debt: $13,500
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.