Facts & Information Page:
Hoyes-Michalos & Associates Inc. - Canada

Canadian Money Advisor Rank

Product Names

Product Name


Debt Consolidation Loan

Consumer Proposal

Personal Bankruptcy

COMPANY CONTACT INFORMATION:

Hoyes-Michalos & Associates Inc.
420 Devonshire Rd
Windsor , ON N8Y 4T6
Website:http://www.hoyes.com/

Customer Service Phone: 519-800-0276
Customer Service Fax:1-888-553-5519
Contact's Phone:310-PLAN (7526)
COMPANY INFORMATION AND BIOGRAPHY:

Hoyes-Michalos & Associates Inc. was created by Douglas Hoyes and Ted Michalos for a single purpose and that is to provide you a fresh financial start. They are professionals in bankruptcy as well as consumer proposals. With their team you will be assured for respect, privacy and custom-tailored recommendation.

At Hoyes, Michalos, they would like to assist you to have a fresh start. They are confident to say that they have assisted more than 10,000 people making plans to handle their creditors and begin to live a normal financial life.

Several success stories have proven how Hoyes-Michalos & Associates Inc. has helped people. The experts of the company are certified by the federal government, and they will make a plan, custom-made for you. They promise that if they work together, they can produce a successful plan to manage your debts. Investigate their plan methodology to check how they have aided thousands of people similarly when you turn out to be a success story.

Product Name Product Description
Debt Consolidation Loan You can create a proposal to your creditors to manage your debts. Your expert trustee will be working with you to find out what you can rationally manage to pay for every month, and then give that payment to your creditors.

A consumer proposal is a lawfully requisite, negotiated arrangement made involving a debtor and your creditors. In a usual proposal, you must make one monthly payment over a certain period of not more than 5 years.

Those funds will then be allocated to the different creditors you owe. Once you have completed the final payment, your debts are removed. In nearly all proposals, you will be paying less than the full amount you are indebted of and still be discharged from your debts.
Consumer Proposal You can create a proposal to your creditors to manage your debts. Your expert trustee will be working with you to find out what you can rationally manage to pay for every month, and then give that payment to your creditors.

A consumer proposal is a lawfully requisite, negotiated arrangement made involving a debtor and your creditors. In a usual proposal, you must make one monthly payment over a certain period of not more than 5 years.

Those funds will then be allocated to the different creditors you owe. Once you have completed the final payment, your debts are removed. In nearly all proposals, you will be paying less than the full amount you are indebted of and still be discharged from your debts.
Personal Bankruptcy If there is none of the above methods resolves your debt crisis, you can think of personal bankruptcy in Ontario. When you file a bankruptcy, it must be the last option if you cannot file for a successful consumer proposal.

You will not lose everything that you have when you file for bankruptcy. Under Ontario law, nearly all personal assets you hold are excused from seizure. It is even achievable to keep your car and house. Aside from that, you obtain a fresh financial start when you file for bankruptcy in Ontario. It is a lawful process that lets you to get rid of mainly your debts. Collection agencies and creditors discontinue calling you as well as wage garnishments.

You might be qualified for an automatic discharged in 9 months. If you experienced bankruptcy for the first-time having no surplus income, if you have accomplished every duty you have and if no creditors opposes it.