Licensed Insolvency Trustees & Credit Counsellors
Consumer Proposal · Bankruptcy · Debt Relief
Offices Across Ontario & the GTA
Hoyes, Michalos & Associates Inc. was founded in 1999 by Licensed Insolvency Trustees Douglas Hoyes and Ted Michalos to provide personalized service to help you gain a fresh financial start. In any of our Ontario locations you always meet with a licensed professional, never a clerk or a salesperson. We guarantee professional, respectful, expert advice that meets your needs. Give us 30 minutes. We’ll give you a plan to be debt free.
Barely making your minimum payments? Juggling multiple credit cards? We can help you consolidate your credit card debts into one reduced monthly payment.
Payday loans cause financial stress because the interest accumulates faster than you can pay it off. We help you break the payday loan cycle.
Canada Revenue Agency will settle taxes through a Consumer Proposal. We can help negotiate a reduction in your tax debt liability and create an affordable payment plan.
If you have been out of school for 7 years, your government student loans can be discharged. We help you get relief from long term student debt.
Paying high interest on your bank loans? Behind on bill payments? We can stop collection calls, wage ganrishments and lower your monthly payments.
Everyone at Hoyes was extremely helpful and professional. They made something as stressful as facing your debt and diving into your personal finances as comfortable as possible and helped me... read more
Contacted Hoyes in March 2020.
Assigned to Jason Quinney.
Decided to continue with a consumer proposal, filed March 31.
All correspondence, viewing/signing documents etc was via online/phone which was great, as I reside... read more
I will always refer anyone H.M.&A. My case was handled professionally and confidential. R.Martyn was my trustee and understood my situation better than i did and had me totally relieved... read more
Struggled with debt since forever. This was compounded over the years by 3 significant relationship endings. Past the age 50, had more than $35,00 in consumer debt and... read more
Right from the word go, I felt Hoyes was the right Trustee to help me. The representative I delt with was very knowledgable and prompt. I would entrust my financial... read more
I met with Courtney Pye one year ago in the Mississauga office, she was wonderful and made me feel very comfortable during the whole process.
She answered all my question which... read more
Staff at hoyes go well out of their way to help you get through your debt needs. They’re friendly and flexible, always. I would highly recommend them if you’re looking... read more
No matter the financial difficulties you’re facing, Hoyes Michalos’ friendly trustees will help you get back on track
A consumer proposal is a deal you make with your creditors to settle your debt for less than you owe. You can reduce your monthly payments by up to 80%. A proposal allows you to keep your home, car and tax refunds.
Bankruptcy is a legal process where a debtor who cannot repay their debts can be discharged from their obligation to pay back those debts. Bankruptcy can stop collection calls and give you a fresh financial start.
Our Licensed Insolvency Trustees can help you find the best way to eliminate your debt, stop collection calls, stop wage garnishment, and make your payments more affordable. We can help you avoid bankruptcy.
Friendly & Professional
Friendly Local Trustee
99% Success Rate
Consumer Proposal Acceptance
Zero Upfront Fee
Debt relief with No Pressure
Licensed & Certified
Trustee not a sales person
Our Licensed Professionals will help you explore your debt relief options.
Arrange a free consultation in any of our locations across Ontario today.
Arrange a free consultation in any of our locations across Ontario
including nine offices across the Greater Toronto Area.