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

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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.

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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


  • Andrew H. Avatar
    Andrew H.
    9/08/2020 - Google

    The best decision I ever made was contacting them! Brett Nicholson was amazing and took the time to answer all my questions in person and over email. He helped me... read more

  • Queena B. Avatar
    Queena B.
    12/05/2020 - Google

    I came to the firm in absolute distress. Most people think that you get into debt because you don’t want to pay your bills but that was not the case.... read more

  • mademba c. Avatar
    mademba c.
    1/21/2021 - Google

    Quick to respond, very effective, competent and friendly staff. No complaint.

  • Steve (. Avatar
    Steve (.
    7/24/2020 - Google

    I was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my debt which has in turn provided me with a better... read more

  • Jawknee A. Avatar
    Jawknee A.
    7/27/2020 - Google

    Hoyes, Michalos & Associates Hamilton made an overbearing situation completely comfortable and lifted the weight and depression off of my shoulders to be able to start again with the tools... read more

  • Debbie N. Avatar
    Debbie N.
    1/07/2019 - Google

    Made appointment through email and they got back to me right away. My first appointment we discussed my options. They went through everything step by step, got all the... read more

  • Muhammad R. Avatar
    Muhammad R.
    1/19/2021 - Google

    I filed consumer proposal with them in November . They helped me a lot in restarting my life back to normal which was overwhelmed with debts and interest . Their... read more

  • Nancy B. Avatar
    Nancy B.
    2/19/2021 - Google

    Brian McIlmoyle is both professional & personable in his approach. I would not hesitate to recommend his services to anyone! You are in good & trusted hands.

  • LINDA P. Avatar
    LINDA P.
    6/23/2020 - Google

    My experience with this company is the best by far. Not only do they know their line of business their compassion towards their clients is very refreshing in today's society.

    read more

  • Tony P. Avatar
    Tony P.
    12/12/2019 - Google

    I am so over pleased with rebecca at the Windsor office. She truly helped me out the the fullest. Gave me excellent guidance. Has a kind heart very... read more


No matter the financial difficulties you’re facing, Hoyes Michalos’ friendly trustees will help you get back on track

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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

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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

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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