What Our Clients Say
We help people from a wide service area including Ottawa, Nepean, Barrhaven, Stittsville, Kanata, Greely, Manotick, Munster, Osgoode, Metcalfe, Gloucester, Alta Vista, Blossom Park, Riverside Park, Emerald Woods, Sawmill Creek, Greenboro, South Keys, Hunt Club, Winchester, Findlay Creek, and Riverside South.
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 would Like to take a few minutes to thanks All the staff from Hoyes, Michalos for the great services. I would like to mention Mauren Parent, I wanna say thank you, thank you for everything you have done, make me comfortable, talk to me as a family while you doing your job. I can not thank you enough but God Will.
I also want to thank Brennan Thompson, you are amazing.
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Really, very pleased with the results from working with Maureen and Brennan at Hoyes, Michalos & Associates! They have been phenomenal every step of the way, making things easy to understand, while also providing me a lot of insight and clarity on what’s happening with my situation. Overall, they are fantastic to work with and I highly recommend them!
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Maureen is absolutely amazing. Super kind and respectful! She didn't make me feel bad for my situation and truly helped me sleep better at night.
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Find our Ottawa Bankruptcy Office
DIRECTIONS: Our Ottawa office is located on the 3rd floor of 1900 City Park Drive. We are close to the Gloucester Centre. Free parking is available near the front of the building. If you are taking transit, it is an 11-minute walk from the Blair O-Train station, or you can catch the bus from Blair to a bus stop conveniently located within a 1-minute walk of the building. Once you arrive on our floor, please let the receptionist know you are there.
We also have an office location in Kanata.
Find Debt Relief with a Consumer Proposal in Ottawa
Many Ottawa residents feel trapped by mounting credit card debt, tax arrears, student loans or installment loans. A consumer proposal is a federally approved solution to legally reduce debts without filing bankruptcy.
A consumer proposal can help you:
- Write off up to 80% of your debts
- End creditor calls and wage garnishments
- Freeze interest charges
- Consolidate debts into one affordable monthly payment
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.
At Hoyes, Michalos, we negotiate directly with your creditors and have a 99% success rate for consumer proposals.
Call today or book your free consultation to learn if a consumer proposal is right for you.
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 Ottawa 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.
When is Bankruptcy the Best Option?
Bankruptcy is often a last resort, but it can be the best option if your debt has become unmanageable and other options aren’t affordable. Filing for bankruptcy immediately stops collection calls, wage garnishments, and legal threats from creditors, allowing you to eliminate most unsecured debts and rebuild your financial future.
At Hoyes, Michalos, our Licensed Insolvency Trustees provide compassionate and clear guidance throughout the bankruptcy process, ensuring you understand every step and its impact on your financial future.
You Don’t Have to Face Debt Alone
Debt impacts not only your finances but your overall well-being. Constant collection calls, growing bills, and financial anxiety can be overwhelming. Many Ottawa residents face common debt issues like:
Hoyes, Michalos offers professional, compassionate debt relief solutions tailored to your unique situation, providing clear steps to financial recovery.
See What You Could Save
Want to see how much debt you could eliminate? Use our Debt Repayment Calculator to explore how much you could save with a consumer proposal or other debt relief solutions tailored specifically to you.
Consult a Licensed Insolvency Trustee in Ottawa
You don’t have to face debt alone. As federally licensed debt professionals serving Ottawa since 1999, our trustees help you understand and select the best path forward. Our consultations are always free, confidential, and judgment-free.
We can help you break free from debt. If you would like help becoming debt-free, call our Ottawa debt help team today at 1-866-747-0660.
Debt Relief Experts
