Download samples, forms, worksheets and books

At Hoyes, Michalos & Associcates we believe anyone can overcome their financial challenges with the right tools, advice and effort. We have assembled some useful material in our download centre to help our clients and website visitor to rise to the challenge.

Free Fresh Start e-book

We are pleased to offer you a concise guide to living debt free. Find out your options in Ontario by clicking on the link below and downloading your free Fresh Start e-book.

This Fresh Start e-book is in PDF format. If you are unable to read it you will need to download Adobe Reader.

Free Fresh Start Bankruptcy & Consumer Proposal Form

To download your free bankruptcy and consumer proposal form, please follow the instructions below.

This Fresh Start application is in PDF format. If you are unable to read it you will need to download Adobe Reader.

Once you have completed this application please call one of our bankruptcy offices in Ontario to book an appointment with one of our associates.

Surplus Income Worksheet

This Surplus Income Worksheet is in PDF format. If you are unable to read it you will need to download Adobe Reader.

Budget Planning Worksheet