Ted Michalos student loan debt

Ted Michalos strongly believes that debt management advice should be delivered without gimmicks and without tricks. He is enthusiastic about ensuring clients understand all of their options and that Hoyes Michalos helps them develop a custom-tailored plan to deal with their debts.

Ted is a prolific writer, contributing answers and advice on our blog and on several insolvency and debt relief sites, including Advisor.ca. He has appeared as an expert on bankruptcy and debt related matters including appearances on CBC News, Global TV and Business News Network. Ted  has also appeared before the Ontario Bar Association and the Canadian Senate.

Designations icon


  • BAS, Trent University, 1991
  • CPA (Chartered Professional Accountant), Institute of Chartered Professional Accountants of Ontario, 1994
  • Licensed  Consumer Proposal Administrator and Trustee in Bankruptcy, Government of Canada, 2000
Experience icon

Professional Experience

  • Deloitte & Touche, 1991 to 1996
  • PricewaterhouseCoopers, 1996 to 1998
  • Hoyes, Michalos & Associates Inc., Co-Founder, Bankruptcy Trustee, 1999 to present