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

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

What is a Licensed Insolvency Trustee?


Ted Michalos Licensed Insolvency Trustee
Posted in Bankruptcy Trustee
Posted by Ted Michalos, BA, CPA - LIT

Bankruptcies and consumer proposals in Canada are debt restructuring options available under the Bankruptcy & Insolvency Act. Increasingly today consumers are choosing to file a consumer proposal and avoid declaring bankruptcy. In order to help consumers more easily recognize and identify individuals licensed to provide debt restructuring services (both bankruptcies and consumer proposals) under the […]

Read More