Consumer Proposals & Bankruptcy Advice St. Catharines, ON

Office Address

55 King St, Suite 205
St. Catharines, ON

Toll Free: 1-866-747-0660

(905) 685-5819

Map & Directions

Are you experiencing debt problems? Our St. Catharines, Ontario location, managed by Licensed Insolvency Trustee Jeff Lewis offers the following debt relief services:

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

Our team has a passion for helping people overcome the overwhelming stress of struggling with debt problems. They will help you eliminate your debt and build a stronger financial future by reviewing your unique situation and explaining all your options, including a consumer proposal and personal bankruptcy. Only by exploring all your debt solutions can you make an informed decision.

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 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 the St. Catharines 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 Biography »

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 Biography »

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.

Portia SPortia S

I am so happy I found Hoyes, Michalos & Associates! I only wish I would have came to them sooner. They have taken such a weight off my shoulders!

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Marianne WestergaardMarianne Westergaard

Hoyes and Michalos and Associates have been wonderful to work with. The listen to my concerns and together we worked out a very suitable result to my problems. And I didnt have to resort to bankruptcy! I highly recommend Hoyes and Michalos and Associates for credit problems! Best of all.....they didnt judge!

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Jess FloodJess Flood

As a first time single mom swimming in debt, Adam from Hoyes and Michalos helped ease the stress. Best decision I have ever made. They are super understanding and actually care about their clients. They show you all options and talk you through everything, if you dont understand just ask and they will explain differently. I cant thank them enough, thank you so much!!

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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 Proposal or Bankruptcy

Many residents of St. Catharines and the greater Niagara area turn to a consumer proposal as a way to eliminate their debt. Both a consumer proposal and bankruptcy eliminate unsecured debt, stop collection calls and wage garnishments however there is no one right solution for everyone.

A consumer proposal is a negotiated debt settlement agreement you make with your creditors, with the assistance of a Consumer Proposal Administrator (who is also a Licensed Insolvency Trustee). Consumer proposals can only be filed through a Licensed Insolvency Trustee like Hoyes Michalos. A consumer proposal provides the same creditor protection as is available through a bankruptcy however in a consumer proposal you keep all of your assets. Our team will explain how a consumer proposal works and ensure that your proposal payments work with your budget.

In some cases, filing bankruptcy is the fastest and best way to eliminate debt. When he meets with you, Jeff will ask you some questions about your income, your assets and your debts in order to provide you with a complete understanding of what each debt relief option will cost.

Since opening in 1999, we have helped thousands of people struggling with debt find a fresh start. Our team of licensed professionals provide custom tailored, friendly advice with respect and confidentiality.

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

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  2. Reduce Your Debt By Up to 70%? Know Who You Are Dealing With
  3. You made the experience stress free
  4. Why Is Everyone Advertising Consumer Proposals?
  5. Can You Switch Between Bankruptcy and Consumer Proposal?

Office Address

55 King St, Suite 205
St. Catharines, ON

Toll Free: 1-866-747-0660

(905) 685-5819

Map & Directions

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