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.
These ppl saved my life ,the best phone call ive ever made.very friendly , nonjudgemental,very helpfull,caring,understanding,& they know their stuff.i definitely give them not just 5 stars but a whole... read more
Tina was amazing today. She helped me through my second counselling session and gave me some helpful tips for when it comes to rebuilding my credit. Thank you to the... read more
Douglas Hoyes is a consummate professional and from the first time I spoke to him to the very end his service, ethics, empathy and understanding was nothing short of exceptional.
It... read more
Wow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue... read more
My husband and I dealt with Rebecca in the Windsor office. We both filed for consumer proposals and were nervous and embarrassed. She was incredibly helpful, professional and non judgemental,... read more
My husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized we could not manage our level of debt. Even though... 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.