Consumer Proposals & Bankruptcy Advice Markham, ON

Office Address

3621 Highway 7 East, Suite 308
Markham, ON

Toll Free: 1-866-747-0660


Map & Directions

Are you looking for debt relief? At Hoyes, Michalos we have been helping people get out of debt since 1999.  In our Markham location we provide the following debt help services:

Our Markham office is lead by Licensed Insolvency Trustee Nicholas To. Nicholas will meet with you personally and carefully review all your options for paying off debt. You may be able to avoid bankruptcy by consolidating and reducing your debt through a formal consumer proposal. Nicholas will take the time to answer all your questions about your debt relief options. He is fluent in Cantonese and is happy to discuss issues in person or over the phone. 提供中文服務

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

Meet the Markham Team!

Nicholas To CPA, CMA, CIRP

Nicholas To, Licensed Insolvency Trustee

Nicholas To is a Chartered Insolvency & Restructuring Professional, Licensed Insolvency Trustee and Consumer Proposal Administrator. Nicholas manages our Markham and Scarborough locations and would be happy to discuss your situation via telephone or email.

Read Nicholas's Full Bio »

Diana Wong Certified Credit Counsellor

Diana Wong, Client Service Specialist

Diana is a Certified Credit Counsellor and Client Service Specialist. She helps clients facing financial difficulty at our Markham and Scarborough offices. She would love to speak to you about your financial situation.

Read Diana's Full Bio »

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.

Neil MacDougall Avatar

Experience, knowledge and caring - the three top qualities this team (especially Nicholas) brings to your situation. They get it,... read more

Neil MacDougall 3/11/2020
Nicholas Ray Avatar

2013 was a big yer for me, it was when I was 19, got approved for my first credit card,... read more

Nicholas Ray 1/04/2020
Fred Gaspar Avatar

The entire team at Hoyes, Michalos & Associates have been extremely helpful with providing me with all the needed information... read more

Fred Gaspar 12/23/2019

Find Our Markham Bankruptcy Office

DIRECTIONS: Our Markham office is located in a retail-office plaza just west of Warden Ave. on the south side of Highway 7. It is situated next to Hilton Toronto/Markham Suites Conference Centre and across from Markham Civic Centre. There is ample free parking. Since the ground level spots fill up quickly, we suggest you park in the free underground parking. The entrance to the underground parking lot facing the Hilton. Our office address is 3621 Highway 7 East; our building is the shorter of the two buildings, and it is NOT the HSBC Building. We are on the third floor, Suite 308. If you are taking the bus, you can find us at the Town Centre station/stop on the York Region Transit VIVA transit corridor on Highway 7. VIVA Pink or VIVIA Purple lines will bring you right to our door. The Unionville GO Station is approximately 10 minutes away by car/bus and connects to our office via the VIVA Pink bus line. Click here for the VIVA system map.

Debt Consolidation and Consumer Proposal

Home prices in the Markham, Richmond Hill and the Greater Toronto Area have risen, creating equity for many homeowners. If you have significant credit card debt, tax debts or other unsecured debts, you may be wondering if a debt consolidation loan, home equity loan or second mortgage are a good option to consolidate your debts. There are risks however with this strategy, especially if interest rates rise or home prices fall.  Our Markham team can help you review your debt restructuring options and compare the pros and cons of a second mortgage with making a formal, debt settlement offer to your creditors through a consumer proposal. If you would like help becoming debt free, call our Markham team today at 1-866-747-0660.

Similar Posts:

  1. Debt Consolidation vs Bankruptcy
  2. What happens at my first meeting with Hoyes Michalos?
  3. How Do I Get Out Of Debt Without Losing My Home?
  4. Can’t Pay Your Mortgage? Options To Keep Your House
  5. Consumer Proposal vs Debt Consolidation

Office Address

3621 Highway 7 East, Suite 308
Markham, ON

Toll Free: 1-866-747-0660


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