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

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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

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.


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

Consumer Proposals

Consumer Proposal

Immediate relief! And up to 85% cheaper than repaying your debts on your own

Learn More About Consumer Proposal

Personal Bankruptcy

Personal Bankruptcy

Stop the collection calls and wage garnishment. Get a fresh financial start.

Learn More About Personal Bankruptcy

Debt Management Solutions

Debt Relief Solutions

Our Licensed professionals can help you find the best ways to eliminate your debt.

Learn More About Debt Relief

Wage Garnishments

Tax Debt

Student Loans

Credit Card Debt

Collection Calls

Debt Consolidations

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.

What sets us apart

20 years of Industry Experience

Hoyes, Michalos & Associates Inc. was founded in 1999 and since then we have helped over 60,000 Ontario residents get out of debt.

99% Consumer Proposal acceptance rate

We provide a solution that works for you financially and will be accepted by the creditors. That is why 99% of consumer proposals filed with us are accepted.

Debt relief in 30 minutes with no upfront fees or pressure

We provide you with a plan to eliminate your debt. It all starts with a free 30 minute, no-obligation consultation.

Licensed Insolvency Trustee

We are accredited by the Office of the Superintendent of Bankruptcy to provide government debt relief programs for Canadians including personal bankruptcy and consumer proposal services.

Convenient offices staffed with friendly local trustees

Our team of accredited trustees and credit counsellors provide caring, confidential friendly advice to help you get out of debt and get your life back.

Book a Free Consult

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


  • Svetlana L. Avatar
    Svetlana L.
    2/26/2019 - Google

    Life happens, and going through financial struggles can be nerveracking. Benny and Janette went above and beyond to provide me with all the information, understanding and support I needed in... read more

  • Christine R. Avatar
    Christine R.
    8/27/2019 - Google

    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

  • Barb H. Avatar
    Barb H.
    4/08/2019 - Google

    Hi everyone
    I just wanted to say I was in debt up to my ears and was so distraught and couldn't sleep because of worrying about on how I'm going to...
    read more

  • Arie E. Avatar
    Arie E.
    8/30/2019 - Google

    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

  • Kratos S. Avatar
    Kratos S.
    11/12/2019 - Google

    Couldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I... read more

  • Dustin L. Avatar
    Dustin L.
    8/06/2019 - Google

    Honestly the best decision I’ve made this year was to get help from Hoyes, Michalos & Associates. Their Vaughan office is conveniently located and Brett is a real pleasure to... read more

  • Mark J. Avatar
    Mark J.
    9/12/2019 - Google

    Hello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They made us feel calm and took care of everything with... read more

  • Money M. Avatar
    Money M.
    11/06/2019 - Google

    Bret Nicholson has worked wonders. He advised me of the paths I can take, from bankruptcy to consumer proposals with great detail. Instead of going the bankruptcy route, he took... read more

  • Mo E. Avatar
    Mo E.
    positive review 
    7/23/2019 - Facebook

    Helped me Greatly! Thanks Guys.

  • Philip C. Avatar
    Philip C.
    8/21/2019 - Google

    Extremely helpful and easy to speak with. (As well, very easy to contact)
    I sat down with them in 2015 and they went over plans and options step by step...
    read more


Our licensed professionals will help you explore your debt relief options.
Arrange a free consultation in any of our locations across Ontario today.

Featured on:

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  • 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