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At Hoyes, Michalos & Associates Inc. we understand that filing for bankruptcy is a difficult and personal decision. Here's how we help you make that decision:

We will give you the tools to make the decision that is best for you

We have flexible hours in Chatham

The trustee is your main contact

You can ask your questions via email or telephone

We can tailor your payments to suit your needs

Financial problems are overwhelming. They generally will not get better on their own, so we suggest you call or e-mail us today so that we can get started on giving you a fresh start.

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