Check out our new documentary DEBTASIZED.

Check out our new documentary DEBTASIZED.

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 Janette Martin 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.

Janette Martin BIA Insolvency Counsellor

Janette Martin is a Certified Credit Counsellor and Client Service Specialist. Janette loves serving her community and providing meaningful guidance to individuals so they can achieve financial freedom. A long-time resident of North York, she attended Earl Haig Secondary School and has been helping clients deal with debt within the GTA for nearly 25 years. No matter how many questions you have, Janette would be delighted to help you understand your debt relief options. When she’s not in the office, Janette likes to spend time with her family and read.

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. 

Opeyemi Ojekale Avatar
Amazing experience with Jennifer Kwon. She was so knowledgeable and helped me feel comfortable throughout the whole process. The process was well explained to me and went exactly as described. Would highly recommend this company for anyone looking for debt services
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Opeyemi Ojekale 6/20/2024
Jeffrey Lee Avatar
I had a wonderful and easy experience working with Jennifer and her team at Hoyes, Michael's & Associates. I highly recommend using them if you encounter any debt difficulties.
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Jeffrey Lee 4/01/2024
Mari Avatar
Everytime I thought of Hoyes, Michalos and Associates, a positive feeling took over me. I was so impressed by my experience with this company. Prior years was so difficult for me because of a huge debts that were piling up for years and the last 4 years that I was unemployed because of my disability was choking me. How can I manage to pay a thousand over interest alone in a month without a stable job? Even if I have one, it doesn't make sense to pay that high. I realized that I had to find ways to break the cycle of paying yet keep using my credit cards. Based on my researched I found this firm informative and straight forward. True enough, they are so helpful and quick. Jennifer, my proposal trustee was so remarkable, I met her once and she filed my application right away. My monthly payment now is manageable . I was in awed up to this day on how fast the debt relief was from years of struggling this problem. My gratitude to Hoyes, Michalos and Associates for providing me a fresh start is immense. From what had transpired, I am mindful of my financial freedom now, I will really strive not to be bound with the spiral of debts again.
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Mari 3/15/2024

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

Map & Directions