Consumer Proposals & Bankruptcy Advice London, ON

Office Address

339 Wellington Rd South, Unit 130

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.

Ashley ResendesAshley Resendes

I had a very positive experience dealing with the London office from the first meeting to the last one. They made me feel comfortable and gave me options with detailed explanations. If I had a question, I had a response within one business day. Joel is extremely professional and thorough. Highly recommend them.

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Philip ChandlerPhilip Chandler

Extremely helpful and easy to speak with. (As well, very easy to contact)
I sat down with them in 2015 and they went over plans and options step by step on dealing with my debt situation, making everything clear and concise. In the end they helped work out a plan that worked for me in my situation, and I'm happy to say that I'm now debt free! Very happy I chose Hoyes, Michalos!

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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!

Read More

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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  5. Where To Get A Consumer Proposal Filed

Office Address

339 Wellington Rd South, Unit 130

Toll Free: 1-866-747-0660

(519) 435-1500

Map & Directions

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