Profile
Debt Relief Solutions at Hoyes, Michalos & Associates in St. Catharines
Financial freedom is possible, and the team at Hoyes, Michalos & Associates is here to help you achieve it. As one of Ontario’s largest personal insolvency firms, we have a proven track record of helping individuals eliminate debt and get a fresh start. Our St. Catharines office, located in the prominent CIBC Building at 55 King St, is led by experienced Licensed Insolvency Trustee Ted Michalos. If you are looking to find a trustee who will give you honest, straight talk about your options, or need to hire a debt expert to stop legal action, Hoyes Michalos is the firm you can trust.
Consumer Proposals
We are experts in filing consumer proposals, a legal process that allows you to pay back a portion of your debt and write off the rest. Why choose a consumer proposal?
- Keep Your Assets: Unlike bankruptcy, you generally don’t have to surrender assets like your home or car.
- One Monthly Payment: Consolidate all your unsecured debts into a single, affordable monthly payment.
- Stop Interest: Interest stops immediately, meaning you can get out of debt faster.
If you need to schedule a free assessment, our team will review your situation and determine if a proposal is right for you.
Personal Bankruptcy
Bankruptcy is often a last resort, but for many, it is the most effective way to eliminate overwhelming debt. Our Bankruptcy Trustees provide supportive and non-judgmental guidance through the entire process. We help you:
- File the Paperwork: We handle all the necessary forms to start your bankruptcy protection.
- Stop Creditor Actions: Wage garnishments and collection calls stop immediately.
- Learn Financial Skills: We provide credit counselling to help you manage money and rebuild your credit rating.
Honest Advice, No Gimmicks
At Hoyes Michalos, we believe in empowering our clients with knowledge. We don’t sell loans or quick fixes; we provide legal debt solutions. Our commitment to you includes:
- Free Initial Consultation: We review your debts, income, and assets at no cost to you.
- Customized Plans: We tailor our advice to your unique financial situation.
- Respect: We understand that debt is stressful, and we are here to support you, not judge you.
Convenient Downtown Location
Our office in the CIBC Building at the corner of King and Queen Streets places us right in the center of St. Catharines. Whether you live in the city or the surrounding Niagara region, we are easy to reach. To find a debt relief expert who is on your side, contact Hoyes, Michalos & Associates today.
Specializing In
Consumer Proposals, Personal Bankruptcy, Debt Management, Tax Debt Relief, Student Loan Debt
Address & Location
CIBC Building, Suite 205, 55 King St, St. Catharines, ON L2R 3H5
Building Location
Located in the historic and prominent CIBC Building at the corner of King Street and Queen Street in downtown St. Catharines. The building is a key landmark in the city center.
Suite Access
The office is in Suite 205. Enter through the main building entrance on King Street and use the elevator to reach the second floor.
Parking Details
There is metered street parking available on King Street and Queen Street directly in front of and beside the building. Additional parking is available in the municipal parking lots on Queen Street and Market Street.
Public Transit
The office is highly accessible via public transit, being located in the downtown core. The main St. Catharines Bus Terminal is just a few blocks away, and local buses stop frequently along King Street.
Photos
Hoyes, Michalos & Associates – St. Catharines, ON
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