If you live or work in Toronto and need help getting out of debt, you’re eligible for a free debt management consultation at Hoyes, Michalos & Associates Inc. We have two Toronto and nine GTA offices where we provide expert advice about debt consolidation, credit counselling and other debt relief alternatives. Our Toronto offices are located at

  • Toronto Downtown – 8 King Street East, Suite 800
  • Toronto Etobicoke – 3280 Bloor Street West, Centre Tower, Suite 240
  • Yonge and Bloor – 2 Bloor Street East, Suite 3500

debt consolidation Toronto credit counselling

What happens during your Toronto credit counselling consultation? You’ll meet personally with Licensed Insolvency Trustee Sandra Sykora. Sandra is a debt expert and will evaluate your specific debt situation. There is no one size fits all solution to debt problems. Our debt experts will educate you on your options, and help you make an informed decision.

Depending on your situation and the monthly payments you can make, you may look at different debt consolidation alternatives. There are several ways to consolidate your debts into one lower monthly payment and our experts can help you choose the right one.

Find out how you can get out of debt in the most manageable way possible. Call the office near you to schedule your appointment, or complete the form to your right and we’ll contact you.

If you’re not in the downtown area, we have five other debt management offices in the GTA:

Brampton Debt Management
Mississauga Debt Management
North York Debt Management
Scarborough Debt Management
Vaughan (Woodbridge) Debt Management

Contact our credit counselling and debt consolidation Toronto offices:

Downtown Office

(By appointment only)
(416) 815-7515 or 310-PLAN
8 King Street East
Suite 800, Eighth Floor
Toronto, ON

Toronto Etobicoke

(By appointment only)
(416) 398-5005 or 310-PLAN
3280 Bloor Street West
Centre Tower, Suite 240
Toronto, ON

Yonge & Bloor Office

(By appointment only)
(416) 921-3223 or 310-PLAN
2 Bloor Street East
Suite 3500
Toronto, ON