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  and Stratford locations.

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 and Stratford offices.

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.


Ian was awesome! He was so professional and not judgemental. He made everything extremely clear, and laid out all my options! I was so nervous going into this and he really put me at ease. Couldn't recommend a better place!

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Jason NellesJason Nelles

My wife and I went in yesterday not knowing what direction to take.
After spending half hour with Scott we left feeling so much better.
Scott was very professional. Did not make us feel judged in anyway.
I would strongly recommend using these guys.

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Glen EassonGlen Easson

Meeting up with these guys was the best thing I have ever done in my life! It all started with a little podcast I came across called “debt free in 30” and it completely changed my outlook and gave me a better understanding of what I was about to get into! After listening to the entire catalogue up to that date I gave them a call and booked my consultation!

I was greeted with no judgement and given everything I needed to become debt free! I was also shown how I was frivolously spending $2000/month that was from that point banked and paid for my wedding!!!!

My credit counselling sessions were done with the lovely Diane!!! Boy, what can I say....she made becoming debt free and banking money something to be proud of and learned even more from her! (We still keep in contact)

Don’t be scared, intimidated or embarrassed about the debts you may have! Call them and get back on the right track and you will’s a lot easier than you think it’s going to be!!!

Thanks for everything,
Glen Easson

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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.

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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