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 Licensed Insolvency Trustee, Julie Wildman. Julie is committed to our process to help you eliminate debt without worry and in the least stressful way possible.
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 Julie by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.
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.
Meet the Niagara Falls Team
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.
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.
“You saved my life. I can’t thank you enough. I was drowning debt and was very embarrassed about the whole thing. You were professional and never, ever made me feel like a horrible human being for getting myself into this mess and I feel I’m well on my way to recovery. ”
DB | $57,300 in debts | Niagara Falls
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 Julie in our Niagara Falls office, one of the options she will discuss is personal bankruptcy. She 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, Julie 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.