Consumer Proposals & Bankruptcy Advice Toronto Yonge & Bloor, ON

Office Address

2 Bloor St E, Suite 3500
Toronto, ON

Toll Free: 1-866-747-0660

(416) 921-3223

Map & Directions

When financial problems seem overwhelming, we can help you develop a plan to erase your debt. Our City of Toronto Bloor location, and all our 9 Greater Toronto Areas offices, provide expert advice on debt management solutions including:

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

Insolvency and debt management services in our Toronto Yonge and Bloor office are provided by Licensed Insolvency Trustee and Consumer Proposal Administrator, Sandra Sykora. A trustee since 2004, Sandra has a broad range of experience in dealing with lenders and knowing how creditors will respond to consumer proposal terms. Sandra is available by phone or email. Flexible appointment times available.

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

Meet the Toronto Yonge & Bloor Team!

Sandra Sykora B.Comm., CIRP

Sandra Sykora, Licensed Insolvency Trustee

Sandra Sykora is a Licensed Insolvency Trustee helping people from our Toronto-Yonge & Bloor and Toronto Downtown offices.

Read Sandra's Full Biography »

Scott Terrio BA, Certified Credit Counsellor

Scott Terrio, Manager, Consumer Insolvency

In his eight years working in the insolvency industry, Scott Terrio has met with and filed thousands of clients, primarily consumers. He works from our Toronto Yonge & Bloor and Toronto Downtown locations.

Read Scott'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.

Kenneth AdamsKenneth Adams

From initial consultation on my personal situation where all my options for debt relief were clearly outlined through the actual documentation and filing process, H,M&A and specifically Sandra Sykora - Licensed Insolvency Trustee were extremely supportive and very professional. All discussions were documented clearly, and suggestions on personal steps that should be taken during process were provided. The end result was the best situation I could have expected. Their work on my behalf is very much appreciated, and I strongly recommend Hoyes, Michalos & Assoc. for anyone seeking a debt solution.

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Magdalena PietruszynskaMagdalena Pietruszynska

I was drowning in debt, living paycheck to paycheck, sometimes barely scrounging to get by. A friend recommended Hoyes, Michalos & Associates. From the initial consultation with the wonderful Sandra Sykora, to the counseling session to the final result, I am very pleased with the result. She was very informative and broke things down very well so I understood my options. Everything we talked about was also sent through email. She was always there with answers to my many questions in a very timely manner. I would highly recommend Hoyes, Michalos and Associates to anyone who needs financial help. Thanks again.

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Find Our Toronto Bankruptcy Office

DIRECTIONS: Our Toronto Central office is conveniently located directly above the Yonge-Bloor subway station at the North East corner of Yonge Street and Bloor Street at 2 Bloor Street East, Suite 3500. We are accessible by TTC on the Yonge or Bloor-Danforth subway lines (Bloor-Yonge stop), and also via the PATH. There are several public parking lots within two blocks of our office.

We have 9 locations throughout the Greater Toronto Area. For our other Toronto locations please see our Toronto bankruptcy page.

Consumer Proposal, Debt Consolidation or Bankruptcy?

We can help you develop a plan to get out of debt, stop legal action and consolidate your payments into one lower monthly payment. The solution you choose must be tailored to your particular situation and be based on all the alternatives. When you meet with Sandra, she will conduct a debt assessment and explain your options:

  • A debt consolidation loan is a new loan. You repay old debts but your overall debt levels remain.
  • A debt management plan is often an interest free repayment plan through a non-profit credit counsellor. However you still have to repay all your debts.
  • A consumer proposal is a safe, legal debt settlement option through a Licensed Insolvency Trustee. You repay only a portion of your debts.
  • Bankruptcy is a legal process to eliminate your debt in exchange for the surrender of non-exempt assets. In some cases you may have to make additional payments if your income is high, in which case a consumer proposal is often the better solution.

At Hoyes Michalos you always talk to a licensed debt expert. All our Toronto bankruptcy locations are staffed by Licensed Insolvency Trustees and certified credit counsellors. We do not use sales people or unlicensed debt consultants.

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

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  4. Creditor Protection: Consumer Proposal vs. Debt Management Plan
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Office Address

2 Bloor St E, Suite 3500
Toronto, ON

Toll Free: 1-866-747-0660

(416) 921-3223

Map & Directions

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