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.
I am so pleased with how Patty, Howard and the proposal team helped me file my consumer proposal they were fantastic. Very proffessional and supportive. I wish I would have... read more
Had a great experience. Everyone I spoke to was very helpful, and would answer any emails sent right away.
They Never made you feel bad or guilty for how you... read more
Very professional, helpful and advocates for their clients. Have never felt that I asked any bad questions and they were very clear in explaining every step. Special thanks to Nicholas... read more
I give Hoyes Michalos & Associates a big thumbs up!! The trustee was quick to respond to my phone calls. Our initial meeting was quite pleasant and educational. I left... read more
I went to them for bankruptcy or consumer proposal advice. I was offer to file consumer proposals. However he was lying about my car's book value, which is 2018 Mazda... 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.