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

55 King St, Suite 205
St. Catharines, Ontario

Toll Free: 1-866-747-0660

Call us today: (905) 685-5819

Book A Free Consult

Are you having trouble paying off debt in St. Catharines, Ontario? Our St. Catharines debt help location, managed by Licensed Insolvency Trustee, Jeff Lewis, can help you get the much needed relief you deserve. Jeff meets with individuals in St. Catharines and the surrounding regions of Lincoln, Effingham, Thorold, North Pelham, Merritton, Glenridge, Port Dalhousie, and Vineland.

Our office offers the following debt elimination services:

Jeff has a passion for helping people beat the overwhelming stress of struggling with debt problems. He will take his time to explain all the options available to you and help you understand what each will mean for your situation. Only by exploring all your debt solutions can you make an informed decision.

At our St. Catharines office, you will also meet with experienced Credit Counsellor Alison Paldus, who will work with you to eliminate debt and build a stronger future. She will be happy to go over your long-term goals and help you create a plan to achieve your financial dreams. Both Jeff and Alison can help you put an end to harassing creditor calls, threats of wage garnishment, and sleepless nights. 

“I am keenly aware of that feeling of hopelessness that a large amount of debt can create in individuals. My goal is to help my clients feel empowered after our first conversation and realize that debt doesn’t have to be forever. – Jeff”

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

Meet Our St. Catharines Debt Experts

Jeff Lewis, Licensed Insolvency Trustee

Jeff Lewis is a Licensed Insolvency Trustee, Consumer Proposal Administrator and Chartered Insolvency and Restructuring Professional (CIRP). Originally from the United Kingdom, Jeff made Canada his home in 2004. For more than 10 years, he has assisted clients in the St. Catharines and Niagara Falls regions eliminate their debt troubles. Jeff prides himself on providing a caring and compassionate environment where individuals can get the help they need. When he’s not in the office, Jeff volunteers as Treasurer at CPA Niagara Region and he is also a member of the ski patrol at Glen Eden.

Alison Paldus BA, AFCC, Certified Credit Counsellor

Alison Paldus is a Certified Credit Counsellor and Client Service Specialist. She has lived in the Niagara region all her life and knows her community well. For over 20 years, she has been a source of comfort for individuals seeking guidance on money management. With a degree in Psychology and a wealth of experience as a counsellor, Alison is poised to help our clients in the Niagara and St. Catharines communities find a solution to their debt troubles. When she is not in the office, Alison is an avid supporter of her two daughters and their participation in soccer and basketball. She also loves to unwind by going on long walks with her husband.

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.

Gail fidler Avatar

All the people that I have seen or talked to at Hoyes, Michalos & Associates have treated me with respect.... read more

Gail fidler 7/27/2021
Amanda Shepard Avatar

Jeff and Allison have been amazing! They are super understanding and helpful!

Amanda Shepard 4/01/2021
Kelly Derkrikorian Avatar

Very professional, everyone involved was kind and understanding. I would highly recommend this company if you are thinking of a... read more

Kelly Derkrikorian 3/22/2021

Find Our St. Catharines Bankruptcy Office

DIRECTIONS: The office of our Licensed Insolvency Trustee in St. Catharines is located in the CIBC building, at the corner of King and Queen Streets. There is metered parking on King Street in front of the office and on Queen Street. Municipal parking lots are located on Queen Street and Market Street.

Consumer Proposals in St. Catharines

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 St. Catharines 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 St. Catharines 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 St. Catharines

Personal bankruptcy should be a last resort, but sometimes it is the right solution to help you get out of debt. Our St. Catharines 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 St. Catharines 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.

St. Catharines Debt Help

St. Catharines 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 St. Catharines team today at 1-866-747-0660.

Office Address

55 King St, Suite 205
St. Catharines, Ontario

Toll Free: 1-866-747-0660

(905) 685-5819

Map & Directions