Consumer Proposals & Bankruptcy Advice London, ON

Office Address

339 Wellington Rd South, Unit 130
London,ON

Toll Free: 1-866-747-0660

(519) 435-1500

Map & Directions

Choosing the right bankruptcy solution can be stressful. At Hoyes Michalos our objective is to explain all your options in an easy, clear manner. We provide the following London debt relief services:

  • Consumer Proposals
  • Personal Bankruptcy
  • Credit Counselling
  • Debt Consolidation
  • Debt Settlement

At Hoyes Michalos we believe bankruptcy advice should come from a licensed expert. In London, you will meet with one of our local Licensed Insolvency Trustee Joel Sandwith. (London bankruptcy trustees are now called LIT’s). As our London trustee, Joel will meet with you personally, ask you some basic information about your debts and your budget to help you develop a plan that will allow you to deal with your debts. Let our experienced credit counselling and licensed debt experts help you become debt free by choosing the option that makes sense for you.

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 Joel by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.

Meet the London Team!

Joel Sandwith BA

Joel Sandwith, Licensed Insolvency Trustee

Joel Sandwith is a Licensed Insolvency Trustee, Consumer Proposal Administrator and experienced Credit Counsellor managing our London and Sarnia offices.

Read Joel's Full Biography »

Heather Cudmore BA, Certified Credit Counsellor

Heather Cudmore, Client Service Specialist

Heather is a Certified Credit Counsellor with over 20 years of experience. Heather works out of our London office.

Read Heather's Full Biography »

Patricia Bendle BA, CQP Articling Student

Patricia Bendle, Client Service Specialist

Patricia is a Credit Counsellor and Client Service Specialist working towards her LIT designation. Patricia is available in our London  and Sarnia offices to meet in person or by email.

Read Patricia'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.

DianneDianne

I went in not knowing exactly what I was going to do. Joel went through all my options, and explained what they would all entail. They were very understanding, and I didn't feel judged at all for being in my predicament. I feel like a weight has been lifted off my shoulders and I can breathe again. Thank you Joel & Heather!

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Debbie NDebbie N

Made appointment through email and they got back to me right away. My first appointment we discussed my options. They went through everything step by step, got all the paperwork filled out and by the time I left, it felt like a huge weight had been lifted off my shoulders. I would sincerely recommend Hoyes, Michalos & Associates.

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Jonathan SandersonJonathan Sanderson

I was overwhelmed with credit debt. Being bombarded with constant phone calls, and letters, from debt collectors was very stressful. It seemed like there was no way out. Until I heard about Hoyes, on my local talk radio station. They are friendly, caring, knowledgeable, and professional, with many year's of experience. During my first meeting, they took the time to learn about my debt, and financial situation. Explaining my different options, and helping to come up with a plan that would work best for me. They helped me avoid filing for bankruptcy, by putting forward a consumer proposal to my creditors. My proposal was accepted, and I am happy to finally be debt free, thanks to Hoyes. It feels like a huge weight has been lifted off of my shoulders. Hoyes are the best debt relief specialists.

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Find Our London Bankruptcy Office

DIRECTIONS: The office is located at the corner of Wellington and Baseline Roads, behind the TD Canada Trust. The entrance to the building is on the Baseline side. Our first-floor location makes the office barrier-free for those with ambulatory challenges.

Consumer Proposal or Personal Bankruptcy?

A consumer proposal is an alternative to bankruptcy. It is a negotiated debt settlement made through a licensed insolvency trustee. As a legal option under the Bankruptcy & Insolvency Act you get protection from creditor actions during the proposal process. This protection is not available from unlicensed debt consultants and is the only government approved debt relief program in Canada.

Depending on your personal situation, bankruptcy may be the best way to get out of debt. If it is, we will explain all the steps needed to file bankruptcy in London and how to begin your process of financial recovery.

If you would like help becoming debt free, call our London team today at 1-866-747-0660.

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  4. Debt Consultants: Some Horror Stories
  5. Where To Get A Consumer Proposal Filed

Office Address

339 Wellington Rd South, Unit 130
London,ON

Toll Free: 1-866-747-0660

(519) 435-1500

Map & Directions

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