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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.

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