Ontario Consumer Proposal Administrators and Trustees in Bankruptcy since 1999

Who We Are:

We are experts in bankruptcy, consumer proposals and all Ontario debt management options. We are 100% Canadian owned and our firm and all of our trustees, are licensed by the federal government of Canada. We are a community based company and believe in getting involved by sponsoring local events and sharing debt strategies at speaking engagements.

We are here to assist you with your financial troubles. At Hoyes, Michalos & Associates Inc., you are guaranteed respect, confidentiality and custom tailored expert advice. We welcome all your bankruptcy and consumer proposal questions and invite you to connect with one of our dedicated and professional team members today.

Who We Are Not:

We are NOT a big, accounting firm that does audits, taxes and other services for big corporations and we are NOT a big American corporation reporting to "head office in New York".

Where We Work:

We work locally. Our head office, and all of our offices, are situated in Ontario. We understand that you may not be able to travel long distances to meet with us, so we offer multiple locations in South Western Ontario for your convenience.

What We Do:

Hoyes, Michalos & Associates Inc. was founded by Douglas Hoyes and Ted Michalos for one simple purpose: To give you a fresh financial start. We are committed to providing personalized service and we guarantee that you will meet with one of our bankruptcy trustees specializing in personal insolvency. We are proud to say that we have helped over 10,000 people just like you take control of their financial future.

What We Think:

We believe that financial problems can happen to anyone at any time. Our mission is to help you get back on track so that you can get on with your life.

Who We Work With:

Individuals in financial crisis who are looking for guidance through the consumer proposal or bankruptcy process. Our clients share one thing in common – the desire to resolve their financial problems.

How We Work:

We are real people. When you call us during normal business hours you will talk to a live person, not voice mail. You will meet with one of our senior professionals, not a junior clerk. We will assess your financial situation and recommend a plan of action suited to your needs. To start getting help with your financial problems contact one of our bankruptcy trustees today.

What People Say:

We are proud of our successes and what our clients have to say about us. You can read about them here: Success Stories & Testimonials.

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