The Hoyes Michalos Difference

Hoyes, Michalos & Associates Inc. was founded in 1999 by Douglas Hoyes and Ted Michalos to provide customer-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, custom tailored expert advice. Give us 30 minutes. We’ll give you a plan to be debt free.

Why Choose Us

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