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Hoyes Michalos are experts in bankruptcy, consumer proposals and all Ontario debt management options. For peace of mind, contact us today.

New Post: The Secret to Budgeting: DON'T!

If you want to resolve your debts and avoid bankrupcty, then a consumer proposal could be the right solution for you. Consumer proposals are the number one alternative to bankruptcy in Ontario.more>>

You get a fresh financial start when you file for bankruptcy in Ontario, but is it the right choice for you? Read the important facts you should know before deciding.more>>

Recent Blog Posts

5 Options to Eliminate Debt

There are many ways to deal with your debts. We review your debt management options, and include a video summarizing all options.

Bankruptcy Filings: Massive Drop – Good News?

There was a massive drop in the number of bankruptcy filings in Ontario. Is this good news? Will it continue? What will impact the bankruptcy rate in 2012?

Budgeting: Still a Bad Idea

Budgeting is hard, so we discuss ways to manage your money without budgeting, and what to do if you can’t budget due to too much debt.

Why Budgeting is a Bad Idea

Budgeting is hard, so chartered accountant Doug Hoyes explains why budgeting is a bad idea, and he shows a better way to manage your money.

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