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


  • susan c. Avatar
    susan c.
    3/17/2020 - Google

    I just want to say how happy I was to work with Angela, Rebecca and Tina at the Windsor branch. They not only were professional with every interaction I had... read more

  • Gisella1 P. Avatar
    Gisella1 P.
    1/23/2019 - Google

    I am so thankful to Hoyes, Michalos & Associates Inc, for all their help in getting my finances back on track. Jason was great and he treated me with so... read more

  • Andrey Y. Avatar
    Andrey Y.
    3/16/2020 - Google

    I found help on behalf of Hoyes, Michalos & Associates when it seemed that there was no way out... My story began with the fact that I realized that I... read more

  • High P. Avatar
    High P.
    2/03/2020 - Google

    Very good service. Patty was amazing they help you understand fully the difference between a proposal and a bankruptcy. They are a legit company. Friendly staff and compassionate. Very experienced... read more

  • Candice F. Avatar
    Candice F.
    4/19/2020 - Google

    Have to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I... read more

  • Gerard D. Avatar
    Gerard D.
    positive review 
    9/17/2019 - Facebook

    They were so helpful to me in deciding on what to do with my debt and am so happy to have chosen this company am in a cp with them... read more

  • C H. Avatar
    C H.
    5/04/2020 - Google

    They explore all your options no pressure and very friendly.

  • Tony F. Avatar
    Tony F.
    10/03/2019 - Google

    The last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could not have been in better hands, although I wish to... read more

  • Jarret A. Avatar
    Jarret A.
    9/13/2017 - Google

    They really care about helping people, and have a great deal of experience.

  • Nicholas R. Avatar
    Nicholas R.
    1/04/2020 - Google

    2013 was a big yer for me, it was when I was 19, got approved for my first credit card, cell phone, and some loans. However at that age, the... 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

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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

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