In consideration of COVID-19, consultations are now available by phone and video chat.

We are now available by phone and video chat.

Give Us 30 Minutes We'll Give You a Plan to be Debt Free

Licensed Insolvency Trustees & Credit Counsellors
Consumer Proposal · Bankruptcy · Debt Relief
Offices Across Ontario & the GTA

Fill out the form below and receive a No-Obligation Consultation

Hoyes Michalos has helped over 60,000 Ontario residents get out of debt since 1999

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.

Let's Get Started

Hoyes, Michalos & Associates Inc.

We help you get out of debt

Credit Card Debt

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

Payday loans cause financial stress because the interest accumulates faster than you can pay it off. We help you break the payday loan cycle.

Tax Debt Relief

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.

Resolve Student Loans

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.

Loans and Overdue Bills

Paying high interest on your bank loans? Behind on bill payments? We can stop collection calls, wage ganrishments and lower your monthly payments.

Book a Free Consult

Hoyes, Michalos & Associates Inc.
Consumer Proposal &
Licensed Insolvency Trustee
Debt Relief Experts


  • A G. Avatar
    A G.
    9/09/2020 - Google

    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

  • nate a. Avatar
    nate a.
    4/15/2020 - Google

    I came to Hoyes because I was far far behind in everything. They took the time to explain the process and found the right option for me. Howard and patty... read more

  • Tam S. Avatar
    Tam S.
    5/19/2020 - Google

    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

  • A G. Avatar
    A G.
    7/08/2020 - Google

    Extremely professional and knowledgeable team.
    Sandra is incredibly experienced and the provided support is invaluable.

  • Rasta F. Avatar
    Rasta F.
    1/12/2020 - Google

    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

  • GSD F. Avatar
    GSD F.
    1/21/2020 - Google

    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

  • dxnise w. Avatar
    dxnise w.
    7/28/2020 - Google

    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

  • Sharon R. Avatar
    Sharon R.
    6/13/2018 - Facebook

    Excellent service and results. I have recommended to others (Kitchener location).

  • Lisa M. Avatar
    Lisa M.
    5/01/2020 - Google

    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

  • Steph B. Avatar
    Steph B.
    8/11/2020 - Google

    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

Consumer Proposals Decorative Icon

Consumer Proposal

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.

Learn More About Consumer Proposal

Personal Bankruptcy Decorative Icon

Personal Bankruptcy

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.

Learn More About Personal Bankruptcy

Debt Management Solutions Decorative Icon

Debt Relief Solutions

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.

Learn More About Debt Relief

Friendly & Proffesional Local Trustee

Friendly & Professional

Friendly Local Trustee

99% Success Rate Consumer Proposal Acceptance

99% Success Rate

Consumer Proposal Acceptance

Zero Upfront Fee Debt relief with No Pressure

Zero Upfront Fee

Debt relief with No Pressure

Licensed & Certified Trustee not a sales person

Licensed & Certified

Trustee not a sales person

See what your payments might be

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.

Featured on:

  • Global News
  • CBC News Network
  • The National
  • Business News Network
  • CTV News
Hoyes Michalos In The Media

Industry Insights:

  • Joe Debtor Bankruptcy Study
  • Homeowners Bankruptcy Index
  • Debt Free in 30 - Personal Finance, Money Management and Bankruptcy Podcast
  • Straight Talk On Your Money by Doug Hoyes