Finding the right solution to your debt problems can leave you wondering who to turn for help. With so many available options, it’s hard to know which one to choose. If you live in Markham, Ontario, you can learn about credit counselling, debt consolidation, and other debt relief options by speaking with your local Licensed Insolvency 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 Nicholas To is 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)
(289) 301-3727 or 310-PLAN
3621 Highway 7 East
Suite 308
Markham, ON