If you are experiencing debt problems, our experienced Hoyes Michalos team in our Vaughan location can help you eliminate your debt and start over. We will review your debt relief options including:
- Consumer Proposals
- Personal Bankruptcy
- Credit Counselling
- Debt Consolidation
- Debt Settlement
At Hoyes Michalos, all our locations are staffed by licensed professionals not an unlicensed debt consultant. You meet with a Licensed Insolvency Trustee, trained and accredited by the Canadian government in all debt relief options. In Vaughan (Woodbridge), our debt management services are provided by Licensed Insolvency Trustee Brett Nicholson. During your free initial consultation Brett will explain what you need to know about personal bankruptcy, consumer proposals, and other alternatives as a solution to help you get out of debt. He will analyze your situation and help you find the solution that will work best for you.
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 Brett by calling toll free at 1-866-747-0660 or fill in the form on this page to send us an email.
Meet the Vaughan Team!
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.
“I can’t tell you how grateful I am to Jason, and to Hoyes Michalos and Associates. You have literally saved my life. You have given me hope when I was completely overwhelmed and at my breaking point. I thank all of you from the bottom of my heart.“
April D. | $62,800 in debts | Vaughan
Find Our Vaughan (Woodbridge) Bankruptcy Office
DIRECTIONS: Hoyes Michalos’ offices are centrally located in the city of Vaughan, near Highway #7 and Highway #400. From Highway #7 go north on Weston Rd. to the first set of lights and turn right (east) on to Chrislea Rd. Go past the Home Depot and turn left at the lights at the highway overpass. 216 Chrislea will be on your left hand side and we are in suite 505.
Consumer Proposals and Debt Consolidation in Vaughan
In the Vaughan and Woodbridge area, almost 7 in 10 people who file insolvency avoid bankruptcy by filing a consumer proposal. An alternative to bankruptcy, a consumer proposal is a government debt relief program that combines the benefits of debt consolidation, debt settlement and creditor protection under the Bankruptcy and Insolvency Act. When you file a consumer proposal you make an offer to your creditors to repay less than you owe, up to 70% less. In addition, interest is frozen in a consumer proposal so your payments do not increase beyond what you agreed to pay at the beginning of the proposal.
We believe that bankruptcy should be the last resort. While it is the right solution for many residents of Vaughan, we will help you compare the costs and benefits of all options including a debt consolidation loan, repayment through a non-profit credit counselling agency, a negotiated settlement through a consumer proposal and personal bankruptcy.
If you would like help becoming debt free, call our Vaughan team today at 1-866-747-0660.