In 2005 over 1,500 residents of Kitchener filed a personal bankruptcy or a consumer proposal, and the personal insolvency more people in Kitchener turn to for help are the professionals at Hoyes, Michalos & Associates Inc.
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Scott Schaefer, CA, Trustee
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One of the largest personal insolvency firms in Canada, Hoyes, Michalos & Associates Inc., is headquartered right here in Kitchener, Ontario. Lead by Scott Schaefer, the entire Hoyes Michalos team (with over 25 team members in the Kitchener office) is ready to answer all of your personal bankruptcy questions.
Located at 607 King Street West (just past Victoria, across the street from McDonald’s, in the Tim Horton’s and Zeke’s plaza) Hoyes Michalos is a short drive or bus ride from anywhere in Kitchener or Waterloo.
Our team has one goal: to help you make a plan to deal with your debts.

607 King Street West , Suite 204
Kitchener, ON, N2G 1C7
The Hoyes, Michalos & Associates Inc. Kitchener, Ontario bankruptcy office is located on King Street across from McDonald’s, in the same plaza as Tim Horton’s and Zeke’s restaurant (you can see Tim Horton’s in the background, and the Seke’s sign in the picture).
We are on the second floor. If you are travelling along King from Kitchener to Waterloo, turn left at the first traffic light past Victoria; look for this sign at the entrance to our plaza (our name is not on the sign).




