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Hoyes Michalos are experts in bankruptcy, consumer proposals and all Ontario debt management options. For peace of mind, contact us today.

If you want to resolve your debts and avoid bankrupcty, then a consumer proposal could be the right solution for you. Consumer proposals are the number one alternative to bankruptcy in Ontario.more>>

You get a fresh financial start when you file for bankruptcy in Ontario, but is it the right choice for you? Read the important facts you should know before deciding.more>>

New video: Who Can You Trust with Your Debts?

Recent Blog Posts

Debt Settlement: Will the Americans Leave Canada?

Doug Hoyes appeared on Global TV and CHCH TV discussing debt settlement companies; we provide a full report, including a link to the videos of the interviews.

Debt Settlement Companies: The Growing Controversy

Debt settlement companies promise a great deal, but there are catches.

EXCLUSIVE: Why does the Royal Bank vote NO on consumer proposals more than all other creditors combined?

In an exclusive study prepared by Hoyes Michalos, the Royal Bank votes against consumer proposals more than all other creditors combined; we explore the implications if you owe money to the Royal Bank.

Surplus income limits for 2012 just released

Surplus income limits for 2012 just released. We explain what it means to anyone considering filing bankruptcy.

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