Consumer Proposals & Bankruptcy Advice Niagara Falls, ON

Office Address

4056 Dorchester Rd, Suite 205
Niagara Falls, ON

Toll Free: 1-866-747-0660

(905) 358-5564

Map & Directions

Eliminate your debt safely and effectively. At Hoyes Michalos we want you to be sure the debt management services you choose will work for you.  In Niagara Falls, we offer the following debt help services:

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

Often the safest way to eliminate debt is through a consumer proposal or personal bankruptcy, but which choice is right depends on your situation. In our Niagara Falls bankruptcy office you will meet with our team. They’re committed to our process to help you eliminate debt without worry and in the least stressful way possible.

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

Meet the Niagara Falls Team!

Jeff Lewis

Jeff Lewis, Licensed Insolvency Trustee

Jeff is a Chartered Professional Accountant, Licensed Insolvency Trustee, Consumer Proposal Administrator, Certified Insolvency Counsellor; and meets with clients in our St. Catharines and Niagara Falls offices.

Read Jeff's Full Bio »

Alison Paldus BA, AFCC, Certified Credit Counsellor

Alison Paldus, Client Service Specialist

Alison is a Certified Credit Counsellor meeting with clients in our St. Catharines and Niagara Falls offices. Alison is passionate about exemplary customer service and would be happy to speak with you about your financial situation.

Read Alison's Full Bio »

Peter Allen BAA, Certified Credit Counsellor

Peter Allen, Client Service Specialist

Peter is a Client Service Specialist and has helped provide solutions to a wide range of clients over the years. He is committed to helping Ontarians achieve debt relief. He meets with clients in our Niagara Falls, Hamilton, and Burlington offices.

Read Peter'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.

Marlene Wilson Avatar

From the very first time I spoke to Alison I knew I had made the right connection during a time... read more

Marlene Wilson 2/18/2020
Chuck Evans Avatar

I have dealt with/spoken with four different individuals with Hoyes-Michalos while arranging my consumer proposal and each one was incredibly... read more

Chuck Evans 6/25/2018

Find Our Niagara Falls Bankruptcy Office

DIRECTIONS: Located at the intersection of Dorchester Road and Thorold Stone Road in Niagara Falls. Minutes from the QEW. Exit the QEW at Exit 32- Thorold Stone Road and proceed South on Thorold Stone Road to Dorchester Road. Turn right on Dorchester. We are located in the same building as the Niagara Falls Chamber of Commerce.

Consumer Proposals and Bankruptcy in the Niagara Region

More than one half of all insolvencies filed in the Niagara Region are consumer proposals. As Licensed Insolvency Trustees, we are debt experts licensed by the federal government to provide you with safe, effective debt relief solutions.

A popular alternative to bankruptcy, a consumer proposal is a legally negotiated arrangement you make with your creditors with the assistance of a Licensed Insolvency Trustee. In most cases you can reduce your debts by as much as 70%.

A consumer proposal has significant advantages over other debt relief options like a debt consolidation loan or a debt management plan:

  • you keep your assets
  • your monthly payments are significantly lower
  • interest is frozen
  • it is binding on all your unsecured creditors.

When you meet with us in our Niagara Falls office, one of the options you might discuss is personal bankruptcy. We will help you compare the cost and effect of this option against your other debt relief alternatives. In some cases, filing bankruptcy is the right choice. If it is, we will explain the process and answer any questions you may have.

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

Similar Posts:

  1. Consumer Proposal or Bankruptcy: Decision Factors
  2. Can You File A Consumer Proposal Twice?
  3. So Glad My Creditors Accepted My Proposal
  4. What is a Registered Consumer Proposal?
  5. Consumer Proposals: Debt Limit

Office Address

4056 Dorchester Rd, Suite 205
Niagara Falls, ON

Toll Free: 1-866-747-0660

(905) 358-5564

Map & Directions

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