Hoyes, Michalos & Associates Inc. was founded by Ted Michalos and Douglas Hoyes to provide credit counselling, consumer proposal and personal bankruptcy services in Ontario.
We pride ourselves on providing fast, personal service to all of our clients.

Front Row (left to right): Norma Yau,
Rebecca Martyn,
Sandra Sykora;
Back Row (left to right): Ted Michalos,
Douglas Hoyes,
Benny Mendlowitz
We specialize in personal service. We guarantee that you will meet with one of our licensed bankruptcy trustees in Ontario specializing in personal insolvency.
Our dedicated team of professionals ensures fast, friendly service. Our trained professionals use the latest technology to track all aspects of your situation.
In fact, Hoyes, Michalos & Associates Inc. was the first trustee firm in Canada to electronically file bankruptcy documents through the Office of the Superintendent of Bankruptcy. Our commitment to technology ensures high level of professionalism in providing bankruptcy services for Ontario residents, and fast and efficient processing of your proposal or Ontario bankruptcy.
Contact one of our Ontario bankruptcy trustees today.