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Do You Have Debt Problems?
We Can Help You Get Relief
Hoyes Michalos has helped 35,575 residents of Ontario get out of debt since 1999.
Get started with a personal consultation to be "Debt Free in 30":
- There are no upfront fees.
- Convenient locations throughout Toronto and Southern Ontario.
- Get expert advice on all your debt management options.
“If we can get your debts under control now, then tomorrow will be a much better day!”
J. Douglas Hoyes, CA, Trustee
Our Services
The Hoyes Michalos Difference
Hoyes, Michalos & Associates Inc. was founded in 1999 by Douglas Hoyes and Ted Michalos for one simple purpose: To give you a fresh financial start.
We want you to find the right solution, even if we don’t make any money from it. We’ve been in business since 1999, and a big portion of our work comes from satisfied people we have helped, so we know that by explaining all options we will continue to grow.
- We never charge up front fees.
- Licensed by the Canadian Government as Bankruptcy Trustees.
- 99% of all proposals we file are accepted by the creditors.
- Hoyes Michalos & Associates has offices throughout the province of Ontario where you can meet face to face with a senior professional (not a clerk or salesperson).
- We guarantee respect, confidentiality and custom tailored expert advice.
See what Other's are Saying...
It feels good to get this done
Irene D. (not her real name), separated, 54 years old, 20,000 in debt, Brantford, Ontario Hi there: I just wanted to THANK YOU [...] more>>
Joe Debtor: The Aging Face of Personal Debt – Squeezed From All Sides
Every two years here at Hoyes Michalos we analyze the profile of everyone who files a consumer proposal or personal bankruptcy with us, [...] more>>