Check out our new documentary DEBTASIZED.

Check out our new documentary DEBTASIZED.

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

1214 Ottawa St, Suite 104
Windsor, Ontario

Toll Free: 1-866-747-0660

Call us today: (519) 250-8060

Book A Free Consult

Are you looking for debt help in Windsor, Ontario? The trustees at Hoyes Michalos are experienced, caring individuals, licensed by the Government of Canada in areas of debt management services. Our Windsor debt relief location offers the following solutions:

Our Windsor office is led by Rebecca Martyn, a Licensed Insolvency Trustee and Consumer Proposal Administrator since 2003. Rebecca is a long-time resident of Windsor and meets with individuals from surrounding areas including Essex, Amherstburg, Tecumseh, South Woodslee, and Saint Joachim. She also frequently helps Canadians residing in the United States deal with their Canadian debts.

Rebecca and Certified Credit Counsellor, Angela Marquis, are committed to finding the right solution for every person they meet. Once you meet with Rebecca, she will analyze and discuss your situation with you, explain your debt relief options, and recommend the option that will work best for you and your family.

“I’ll go through your first meeting, your second meeting, third, I am happy to meet with my clients however many times as they feel they need. I’m not just here to sign a piece of paper. I’m your trustee and I want to provide you with answers and solutions to your debt problems. – Rebecca”

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

Meet Our Windsor Debt Experts

Rebecca Martyn, Licensed Insolvency Trustee

Rebecca Martyn is a Licensed Insolvency Trustee and Consumer Proposal Administrator. As a resident of Windsor for over 15 years, Rebecca understands the unique economic challenges faced by individuals living and working in the city and surrounding communities. She brings a friendly and caring approach to helping her clients overcome their financial problems. No matter how often you need to meet with her, Rebecca is happy to be there. In her spare time, Rebecca spends time with her husband and son, who actively participates in both soccer and hockey.

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.

Robert Raid Avatar
Hoyes Michalos has truly been a lifesaver for me from the moment I contacted them. From the initial consultation to ongoing support, their team has been nothing short of exceptional. I cannot thank Rebecca enough for her unwavering assistance and guidance throughout this process. She has been by my side every step of the way, offering valuable insights and ensuring that I feel supported and informed.

I highly recommend Hoyes Michalos for anyone seeking financial guidance and assistance. Their professionalism, expertise, and genuine care for their clients have made a significant difference in my journey towards financial stability. I trust them implicitly and am grateful for their continued support. Thank you, Hoyes Michalos, for everything you do.
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Robert Raid 4/19/2024
Nohomealone Avatar
Rebecca is very cooperative, professional & easy to reach out. I had some financial difficulties & she helped me out with the best option for me! I would definitely recommend her to anyone who needs help with financial debts !
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Nohomealone 4/13/2024
Asholey Calito Avatar
It’s not easy having to make a decision like this. Hoyes, Michalos & Associates made me feel at ease and comfortable. No judgment. Explained everything along the way and provide tools for a better future. Highly recommend!
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Asholey Calito 4/09/2024

Find Our Windsor Bankruptcy Office

DIRECTIONS: We are located at the corner of Ottawa and Pierre in the old Teppermans and Union Hall building right next to Lanspeary Park. There are visitor spots in the office parking lot. Parking is available on street on Pierre Ave, Ottawa Street and the municipal parking lot at the southeast corner of Ottawa and Pierre. The building entrance is on Pierre, and we are the first office on your right. There’s also a bus stop right in front of the building and our office is wheelchair accessible.

Consumer Proposals in Windsor

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 Windsor 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 Windsor 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 Windsor

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

Windsor Debt Help

Windsor 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 Windsor team today at 1-866-747-0660.

Office Address

1214 Ottawa St, Suite 104
Windsor, Ontario

Toll Free: 1-866-747-0660

(519) 250-8060

Map & Directions