In consideration of COVID-19, consultations are now available by phone and video chat.

We are now available by phone and video chat.

Debt Relief Solutions in Mississauga
Licensed Insolvency Trustees & Credit Counsellors
Consumer Proposal • Debt Consolidation • Bankruptcy
Get a Personalized Debt Free Plan

33 City Center Dr, Suite 670
Mississauga, Ontario

Toll Free: 1-866-747-0660

Call us today: (905) 848-3649

Book A Free Consult

If you are experiencing financial trouble in Mississauga, Ontario, Hoyes Michalos can help. Since 1999 we have worked with thousands of honest, hardworking people and helped them eliminate their debts. Our Mississauga debt relief location offers the following debt repayment solutions:

As the Licensed Insolvency Trustee in charge of our Mississauga office, Jennifer Kwon will conduct a free, no-obligation debt assessment. Jennifer and experienced Credit Counsellor Courtney Pye offer compassionate service to each of their clients. If bankruptcy is not the right choice, they will tell you and will suggest a solution that best fits your unique financial circumstances.

Book your FREE confidential debt assessment with Jennifer by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.

Meet Our Mississauga Debt Experts

Jennifer Kwon, Licensed Insolvency Trustee

Jennifer Kwon is a Licensed Insolvency Trustee, Consumer Proposal Administrator and Canadian Insolvency and Restructuring Professional (CIRP). Jennifer resides in the Greater Toronto Area and is eager to meet with individuals in the community to find a solution to their debt problems. Her goal is providing clients with a sigh of relief by the end of their consultations. Jennifer understands that financial vulnerability can happen to anyone. She loves empowering her clients, helping them learn about their debt relief options, and joining them on their journey to financial recovery.

Courtney Pye Certified Credit Counsellor

Courtney Pye is a Certified Credit Counsellor and Client Service Specialist. She has over five years of experience helping individuals achieve debt relief in Mississauga. She provides compassion and empathy for each person she meets, helping them regain control over their financial situation. When she is not at work, Courtney loves to bake. She especially enjoys making a variety of pastries. Her other favourite pastime is backcountry camping. 

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. Jennifer provides debt help services in Mississauga and surrounding communities of Streetsville, Erindale, Clarkson, Port Credit, Long Branch, Mimico, Swansea, West Etobicoke, Brampton South, and Rexdale. 

Paul Chana Avatar

Hoyes, Michalos & Associates are very professional in how they understand, assess and provide assistance in debt management. Jennifer... read more

Paul Chana 9/16/2020
Barb Godfrey Avatar

From the minute i spoke to Brian I felt immense relief.
He was kind, professional and took the time to explain...
read more

Barb Godfrey 8/26/2020
Alisha LO Avatar

I’m not proud of having put myself in such a position to have to ask for help with my debt.... read more

Alisha LO 8/21/2020

Find Our Mississauga Bankruptcy Office

DIRECTIONS: 33 City Center Drive is located adjacent to Square One shopping mall, on the corner of Robert Speck Parkway and City Center Drive. Two hour free parking is available adjacent to the building. You may also park free at Square One mall and walk over to our office.

Consumer Proposals in Mississauga

A consumer proposal is a legal debt relief solution legislated with the federal government to consolidate and settle your debt for less than you owe.

Here are the top 10 benefits of a consumer proposal.

  1. write-off up to 80% of your debts
  2. stop collection calls
  3. stop a wage garnishment
  4. unfreeze your bank account
  5. legally binding on all unsecured creditors
  6. deals with CRA and payday loan companies
  7. you keep your assets including your tax refund
  8. reduce your monthly payment to something that is affordable
  9. no interest on monthly payments
  10. avoid bankruptcy

Hoyes, Michalos has a 99% success rate for consumer proposals we file. We work with you to craft an offer you can afford.

The cost of a consumer proposal is known upfront. What you pay is exactly, and only, what repayment you negotiate with your creditors at the beginning of the consumer proposal process. Once you complete your payments and the terms of your proposal, your debts are eliminated.

A consumer proposal can only be filed with a Licensed Insolvency Trustee like Hoyes Michalos. Learn how to file a consumer proposal or contact our Mississauga team today to talk about how a consumer proposal can help you get out of debt and avoid bankruptcy.

Debt Consolidation vs Consumer Proposal

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 with consolidating with a debt consolidation loan. You may have equity but may not qualify for a second mortgage at reasonable rates. 

Our Mississauga debt professionals can help you review your debt restructuring options and compare the pros and cons of a new loan or second mortgage with making a formal, debt settlement offer to your creditors through a consumer proposal.

Filing Personal Bankruptcy in Mississauga

Personal bankruptcy should be a last resort, but sometimes it is the right solution to help you get out of debt. Our Mississauga licensed insolvency trustee can help you decide if filing bankruptcy is the best option to eliminate your debt.

No matter how serious the debt problem, remember there are always debt relief options. At Hoyes, Michalos you always talk to an expert. Consultations are free and we offer flexible appointment times. Call our Mississauga experts at 1-866-747-0660 or email us today.

A bankruptcy and consumer proposal can only be filed through a Licensed Insolvency Trustee. We are licensed by the federal government to help you deal with debt.

Mississauga Debt Help

Mississauga Licensed Insolvency Trustee location

Debt problems don’t go away on their own. If you cannot afford to repay your debts on your own, as Licensed Insolvency Trustees we help you explore all your options and choose the solution that is best for you.

Break Free From Credit Card Debt

If you are only making minimum payments on your credit cards it will take you years to pay off your balances, if at all. We can help you consolidate your payments and make a settlement offer that can lower your credit card balances by as much as 70%. Your credit cards are rolled into one reduced monthly payment.

This is not a new loan, it’s a government-approved interest-free debt settlement plan payable over up to five years.

Stop the Payday Loan Cycle

Payday loans cause financial stress because the interest accumulates faster than you can pay it off. Over time this eats away at your paycheque. Once you fall behind, payday lenders use aggressive collection tactics like calling your employer and garnishing your wages.

We can include payday loans in your program and help you break the payday loan cycle.

Get Tax Debt Relief

Only a Licensed Insolvency Trustee has the options that can help you reduce your tax debt liability. We can negotiate directly with CRA to create a repayment plan, stop interest and penalties and settle tax debt. If CRA has frozen your bank account or garnished your wages, we can reverse those actions.

Student Loan Debt Forgiveness

Looking for help resolving student loan debt? If you have been out of school for 7 years, your government student loan debt can be discharged through a bankruptcy or consumer proposal.

Eliminate High-Interest Installment Loans

You may have tried to consolidate or pay bills by taking out a high-cost financing loan. While these types of consolidation loans can help you deal with the immediate demand for repayment, they come with an interest rate of 39%, 49% and even 59%.  Installment loans meant for those already in debt or with poor credit just postpone, rather than solve the problem.

Unsecured loans, whether owed to a bank, credit union or financing company can be eliminated with payments determined based on what you can afford.

Why Talk with a Licensed Insolvency Trustee?

If like many of our clients, you are struggling with debt repayment, this is a cycle that is best broken by working with a Licensed Insolvency Trustee near you. We are licensed by the Government of Canada to help you with your debts.

We can help you break free from debt.

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

Office Address

33 City Center Dr, Suite 670
Mississauga, Ontario

Toll Free: 1-866-747-0660

(905) 848-3649

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