Give Us 30 Minutes.
We'll Give You a Plan to be Debt Free.

  • Always Meet With a Trustee - Not a Sales Clerk
  • 99% Consumer Proposal Acceptance Rate
  • Convenient Offices Across Ontario
  • A Committed Team to Help You through the Entire Process
Hoyes Michalos has helped over 40,000 Ontario
residents get out of debt since 1999

Who We Are

Hoyes, Michalos & Associates Inc. was founded in 1999 by Licensed Insolvency Trustee Douglas Hoyes and Licensed Insolvency Trustee Ted Michalos to provide custom-tailored, personalized service to help you gain a fresh financial start. In any of our Ontario locations you always meet with a licensed professional, never a clerk or a salesperson. Hoyes Michalos helps you develop a plan to deal with your debt. We guarantee professional, respectful, expert advice that meets your needs. Give us 30 minutes. We’ll give you a plan to be debt free.

How We Can Help

No matter the financial difficulties you’re facing, Hoyes Michalos’ friendly trustees will help you get back on track

Consumer Proposals

Immediate relief! And up to 85% cheaper than repaying your debts on your own.

Learn More About Consumer Proposals

Personal Bankruptcy

Stop the collection calls and wage garnishments. Get a fresh financial start.

Learn More About Personal Bankruptcy

A Very Positive Experience

I always had a very positive experience when I had to call your office with questions. Your staff is really professional, but most of all, I found them to be compassionate advocates. Thank you for all your help.

  • Emma S.
  • Age: 43
  • Married
  • $65,565 debts
Read More Testimonials

The Hoyes Michalos Bankruptcy Blog

Featured Post

insolvencies-15-year-lows-joe-debtor

Ontario Insolvencies Hit 15 Year Lows. Who's Going Bankrupt & Where


Posted in In The News
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

Canadian household debt continues to increase and Ontario is no different; and we can't entirely blame the problem on rising house prices and mortgage debt. In fact TransUnion recently reported that non-mortgage debt increased 2.75% in the fourth quarter of 2016. Despite this, the per capita consumer insolvency rate will hit a 15-year low. We estimate […]

Read More