Struggling with overwhelming debt can leave you wondering where you should turn for help. Who can you trust? Who has your best interests in mind? If you live in North York, Ontario, you can learn about credit counselling, debt consolidation, and other debt relief options by speaking with your local licensed trustee.


At Hoyes, Michalos & Associates Inc., it’s our job to educate you on every option you have for getting out of debt and regaining your financial freedom. Licensed Insolvency Trustee Benny Mendlowitz and Personal Estate Manager Janette Martin are here to help you get through this difficult time, and find the debt solution that best meets your needs.

Whether it’s through credit counselling, consumer proposal, or personal bankruptcy, we can walk you through the process and help you get your life back on track. Your first consultation is free, so call us today to book your appointment and get on the path to debt free living. Alternatively, you can complete the form to your right and we will contact you. Your information is kept strictly confidential.

How to contact our credit counselling office:

(By appointment only)
(416) 730-8060 or 310-PLAN
45 Sheppard Avenue East
Suite 900 – 9th Floor
North York, ON

Bankruptcy North York

If you live or work outside the North York area, we have nine credit counselling offices in the GTA including:

Toronto Credit Counselling (3 locations)
Brampton Credit Counselling
Mississauga Credit Counselling
North York West Credit Counselling
Scarborough Credit Counselling
Vaughan (Woodbridge) Credit Counselling