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. Nicholas provides debt relief services to individuals living in Scarborough, as well as, surrounding regions of Brimley, Scarborough Township, Scarborough Junction, Agincourt, Don Mills, Ajax, and Pickering.
Diana and Nicholas were very helpful while helping me file for Consumer Proposal. They answered all my questions with respect, even repeat questions, and this made me feel fully supported throughout the process. Thank you so much for kickstarting my financial literacy with useful information. I feel confident enough to make better choices starting now.
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I had a problem with my credit card and was able to receive the help I needed with ease. I communicated with Hoyes.com by emails and phone calls. I felt heard and important. Thank you Hoyes.com for all your support.
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Thank you to Hoyes, Michalos and Team. All of you are absolutely amazing people. Everyone working here, to the lovely lady who answered the phones and received my emergency calls at 8am in the morning, have been the most patient and understanding group of people in a time that was difficult for me, you all made it easier and FINALLY! am FREE and I can begin anew. Thank you all so very much.
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Find Our Scarborough Bankruptcy Office
DIRECTIONS: There is metered street parking available, as well as ample parking at Scarborough Town Centre (after 10:00 a.m.), just north of our offices. If you are using the subway, get off at McCowan (the last stop at the east end of the LRT). Walk back one block.
Reduce Debt with a Consumer Proposal in Scarborough
Scarborough residents often face debt stress due to high-interest credit cards, payday loans, rising housing costs and CRA tax debts. A consumer proposal is a powerful, government-backed solution designed to:
With a consumer proposal, you get an affordable monthly repayment plan tailored to your budget, enabling you to avoid bankruptcy and regain control. Our Scarborough debt experts will work directly with your creditors to help you experience relief.
Book a free consultation today to explore your options.
Debt Consolidation vs. Consumer Proposal: Which Is Better?
If you’re struggling with credit card debt, tax debt, or other unsecured loans, you may consider a debt consolidation loan or second mortgage. However, debt consolidation loans often carry hidden risks, such as high interest rates and stringent approval criteria, which can make your financial situation worse.
Debt consolidation loans often come with high interest rates (15-40%), require good credit, and don’t reduce the total debt owed. Monthly payments may also be unaffordable. On the other hand, a consumer proposal offers a safer alternative with 0% interest, requires no credit check, and can eliminate up to 80% of your debt while keeping payments affordable.
We’ll help you compare debt relief options and find the best solution for your needs. Speak with a Scarborough Licensed Insolvency Trustee today to find the right debt solution for you.
What You Need to Know About Filing Bankruptcy in Scarborough
Bankruptcy should always be a last resort, but in some cases, it provides the best path to a fresh financial start. Our Scarborough Licensed Insolvency Trustee will help you determine whether bankruptcy or a consumer proposal is the right solution for your situation.
Filing for bankruptcy can eliminate unsecured debts, stop wage garnishments, and provide a structured repayment process. However, it’s important to understand the costs, obligations, and potential impacts before deciding. That’s why we offer free consultations to help you explore your options.
No matter how serious your debt problem is, there are always options. Call 1-866-747-0660 to book your free consultation today.
You Don’t Have to Face Debt Alone
Many Scarborough residents struggle with financial challenges such as:
At Hoyes, Michalos, we provide compassionate, professional support to help you break free from debt and regain financial control.
Why Work With a Licensed Insolvency Trustee?
With a 99% success rate on consumer proposals, Hoyes, Michalos provides trusted debt relief solutions that work. Choosing a Licensed Insolvency Trustee ensures access to expert, unbiased, and legally regulated advice. Our consultations are confidential and completely free, providing you with clear, professional guidance to choose a debt solution tailored to your specific needs.
You deserve financial freedom. Call 1-866-747-0660 to book your free, confidential consultation today and take the first step toward a debt-free future.
Debt Relief Experts
