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 Commited 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 bankruptcy trustee Douglas Hoyes and trustee in bankruptcy 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

My trust in Hoyes Michalos was well placed

Thank you for your help! I was treated well every step of the way. The advice was excellent and my trust in your organization was well placed. Thanks again for everything.

  • Harold P. (name changed)
  • Age: 63
  • Brampton, ON
  • Common-law
  • Debt: $13,500
Read More Testimonials

The Hoyes Michalos Bankruptcy Blog

Featured Post

Student Debt and Bankruptcy Alarmingly A Women's Issue

Ted Michalos student loan debt
Posted in In The News
Posted by Ted Michalos, BA, CPA - TRUSTEE

Every two years we issue a report that provides a detailed analysis of emerging trends in bankruptcy filings in Ontario.  We track debt loads by age, income level, marital status and gender.  We also compare types of debt, secured versus unsecured, credit cards, personal loans, income taxes and payday loans. From this information we get […]

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