Profile
Licensed Insolvency Trustees in Brantford
Hoyes, Michalos & Associates is a leading debt relief firm helping residents of Brantford and Brant County find a path to financial freedom. Founded in 1999 by Douglas Hoyes and Ted Michalos, the firm operates on the belief that everyone deserves a fresh start. Unlike unlicensed debt consultants, Hoyes Michalos is a firm of Licensed Insolvency Trustees (LITs), federally regulated professionals who are the only ones authorized to file Consumer Proposals and Bankruptcies in Canada. Their approach is respectful, confidential, and focused on rehabilitation rather than judgment.
Custom Debt Solutions
The team at Hoyes, Michalos & Associates understands that debt problems can happen to anyone. They offer a free initial consultation to review your finances and explain your legal options. Their core services include:
- Consumer Proposals: A legally binding agreement to pay creditors a percentage of what you owe, stopping interest and collection calls immediately.
- Personal Bankruptcy: A legal process to eliminate debts for those who cannot afford a proposal, providing protection from wage garnishments.
- Debt Consolidation Advice: Helping you understand the difference between consolidation loans and legal debt settlement.
- Credit Counselling: Teaching you how to rebuild your credit score and manage money effectively after insolvency.
- Tax Debt Relief: Negotiating settlements with the Canada Revenue Agency (CRA) for unpaid taxes.
Local and Accessible
The Brantford office is located on Brant Avenue, a historic street lined with professional services. The local team, led by experienced estate administrators, provides a welcoming environment where you can discuss your situation openly. With a track record of helping over 100,000 Ontario residents, Hoyes, Michalos & Associates has the expertise to help you become ”Debt Free in 30”.
Specializing In
Consumer Proposals, Bankruptcy, Debt Consolidation, Credit Counselling, Tax Debt Relief
Address & Location
218 Brant Ave, Brantford, ON N3T 3J3
Building Location
Located in a converted professional building on Brant Ave, sharing space with Investment Planning Counsel. It is situated across the street from the blue Avenue Medical Centre.
Suite Access
The entrance is at the front of the building; the office is on the main floor.
Parking Details
Free temporary parking is available behind the building or on Brant Ave and nearby side streets like Palmerston Ave.
Public Transit
Brantford Transit bus routes service Brant Ave, with stops located just steps from the office entrance.
Photos
Hoyes, Michalos & Associates – Brantford, ON
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