Meet Our Debt Relief Experts

Our Licensed Insolvency Trustees

Find a Hoyes Michalos Trustee Near You

Mark Borysiak

CIRP - LIT

Licensed Insolvency Trustee
Email Mark

Mark Borysiak is a Licensed Insolvency Trustee and Consumer Proposal Administrator, helping individuals achieve financial freedom in our Barrie location.

Read full bio »

Howard Hayes

Btec, CIRP - LIT

Licensed Insolvency Trustee
Email Howard

Howard Hayes is our Licensed Insolvency Trustee and Consumer Proposal Administrator in charge of our Brantford and Cambridge locations.

Read full bio »

J. Douglas Hoyes

CA, CPA, LIT, CIRP, CBV

Licensed Insolvency Trustee
Email Doug

Doug is our co-founder and is a Licensed Insolvency Trustee, certified Insolvency Counsellor and Chartered Professional Accountant. He also meets with clients in our Toronto Downtown location.

Read full bio »

Jennifer Kwon

BA, LLB, CIRP, LIT

Licensed Insolvency Trustee
Email Jennifer

Jennifer is a Licensed Insolvency Trustee and Consumer Proposal Administrator, helping individuals with their debt problems in our Mississauga office.

Read full bio »

Billy Martell

BA - LIT

Licensed Insolvency Trustee
Email Billy

Billy Martell is a Licensed Insolvency Trustee managing our Hamilton and Burlington locations.

Read full bio »

Ian Martin

CPA, CA, CIRP - LIT

Licensed Insolvency Trustee
Email Ian

Ian Martin is a Chartered Professional Accountant, Consumer Proposal Administrator, and Licensed Insolvency Trustee in our Kitchener location.

Read full bio »

Rebecca Martyn

CPA, CGA - LIT

Licensed Insolvency Trustee
Email Rebecca

Rebecca Martyn is our Licensed Insolvency Trustee managing our Windsor office.

Read full bio »

Brian McIlmoyle

B.Sc., CIRP - LIT

Licensed Insolvency Trustee
Email Brian

Brian McIlmoyle is the Licensed Insolvency Trustee managing our Belleville and Oshawa locations.

Read full bio »

Benny Mendlowitz

CPA, CIRP - LIT

Licensed Insolvency Trustee
Email Benny

Benny Mendlowitz is a Licensed Insolvency Trustee, Consumer Proposal Administrator, and Chartered Professional Accountant. Benny meets with clients in our North York office.

Read full bio »

Ted Michalos

BA, CPA - LIT

Licensed Insolvency Trustee
Email Ted

Ted is our co-founder and is a Chartered Professional Accountant, certified Insolvency Counsellor, Licensed Insolvency Trustee, Consumer Proposal Administrator, and the President of Hoyes, Michalos & Associates Inc. Ted meets personally with clients in our Guelph, Niagara Falls, and St. Catharines offices.

Read full bio »

Brett Nicholson

BA, MBA, CIRP - LIT

Licensed Insolvency Trustee
Email Brett

Brett Nicholson is a Licensed Insolvency Trustee and Consumer Proposal Administrator. Brett meets with clients in our Vaughan and Toronto Etobicoke offices.

Read full bio »

Maureen Parent

BA - LIT

Licensed Insolvency Trustee
Email Maureen

Maureen Parent is a Licensed Insolvency Trustee and Consumer Proposal Administrator. Maureen helps clients at our Ottawa and Kanata locations and would love to discuss your situation via telephone or email.

Read full bio »

Jason Quinney

CIRP - LIT

Licensed Insolvency Trustee
Email Jason

Jason Quinney is a Licensed Insolvency Trustee and Consumer Proposal Administrator. Jason meets with clients dealing with financial problems in our Brampton office.

Read full bio »

Joel Sandwith

BA - LIT

Licensed Insolvency Trustee
Email Joel

Joel Sandwith is a Licensed Insolvency Trustee, Consumer Proposal Administrator and experienced Credit Counsellor managing our London office.

Read full bio »

Scott Schaefer

CPA, CA, CIRP - LIT

Licensed Insolvency Trustee
Email Scott

Scott Schaefer is a Chartered Professional Accountant, Licensed Insolvency Trustee and Consumer Proposal Administrator working out of our Kitchener office.

Read full bio »

Sandra Sykora

B.Comm, CIRP - LIT

Licensed Insolvency Trustee
Email Sandra

Sandra Sykora is a Licensed Insolvency Trustee helping people from our Toronto-Yonge & Bloor office.

Read full bio »

Nicholas To

CPA, CIRP - LIT

Licensed Insolvency Trustee
Email Nicholas

Nicholas To is a Chartered Insolvency & Restructuring Professional, Licensed Insolvency Trustee and Consumer Proposal Administrator. Nicholas manages our Markham and Scarborough locations and would be happy to discuss your situation via telephone or email.

Read full bio »

Our Client Service Specialists

Peter Allen

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Peter

Peter is a Client Service Specialist and has helped provide solutions to a wide range of clients over the years. He meets with clients in our Hamilton, and Burlington offices.

Read full bio »

Heather Cudmore

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Heather

Heather is a Certified Credit Counsellor with over 20 years of experience. Heather works out of our London office.

Read full bio »

Charlie Kovacs

CERTIFIED CREDIT COUNSELLOR

Email Charlie

Charlie is a Certified Credit Counsellor who has worked for Hoyes Michalos since 2020. He started working in the Hoyes Michalos London location and now works in the Kitchener office.

Read full bio »

Kristen Kral

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Kristen

Kristen is a Certified Credit Counsellor and Client Service Specialist who has worked for Hoyes Michalos since 2005 out of our Brantford location. Kristen started her insolvency career working at our head office for several years before transitioning into her current role.

Read full bio »

Janette Martin

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Janette

Janette Martin is a Certified Credit Counsellor and Client Service Specialist. Janette meets with people in our North York office.

Read full bio »

Cyndi Michalos-Baker

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Cyndi

Cyndi Michalos-Baker, certified Credit Counsellor and Client Service Specialist helps our clients explore their options to find the right solution to their debt problems.

Read full bio »

Meg Penstone

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Meg

Meg has over 20 years of experience working with individuals and couples experiencing financial difficulty. She primarily works out of our Guelph office.

Read full bio »

Shelly Ann Redhead

CLIENT SERVICE REPRESENTATIVE

Coordinator and Client Service Representative
Email Shelly Ann

Shelly Ann Redhead is a Coordinator and Client Service Representative helping clients at our Toronto Downtown office.

Read full bio »

Natasha Richards

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Natasha

Natasha is a Certified Credit Counsellor assisting individuals in our Brampton office. 

Read full bio »

Anne Romano

Client Services

Email Anne

Anne is a Certified Credit Counsellor and Client Service Specialist with over twelve years of experience in insolvency. Anne works out of our Belleville and Oshawa locations.

Read full bio »

Scott Terrio

MANAGER, CONSUMER INSOLVENCY

Manager, Consumer Insolvency
Email Scott

In his eight years working in the insolvency industry, Scott Terrio has met with and filed thousands of clients, primarily consumers. He works from our Toronto Yonge & Bloor location.

Read full bio »

Brennan Thompson

CERTIFIED CREDIT COUNSELLOR

Client Service Specialist
Email Brennan

Brennan is a Certified Credit Counsellor and Client Service Specialist. He helps our clients facing financial trouble out of our Ottawa office. He would be delighted to meet with you about your financial situation. 

Read full bio »