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 200,000 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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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 garnishments and lower your monthly payments.

Get Debt Help

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

WHAT OUR CLIENTS SAY ABOUT US

James D.

5/05/2022

This was my first time claiming bankruptcy. I would like to personally thank Joel and Heather for helping me navigate through this diffucult situation. Both of you guys are understanding and true professionals. Thanks again guys.
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John M.

10/23/2023

Thank you so much Maureen for all your help I enjoyed our discussion today the information that you gave me was very helpful and I will use this information moving forward to help better myself in my life thank you so much for everything that you have Brennon have done for me I look forward to the info I Receive moving forward.
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Christine M.

9/13/2021

Very personable and go over everything in detail. Always available to answer questions and offer helpful advice
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S D.

6/10/2022

I was actually referred to this group by a friend and I couldn’t be more grateful for their recommendation! Benny has been thorough and precise throughout this whole process and I’m completely appreciative to have him as my advisor
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Neil A.

1/28/2020

Team was great, helped my senior uncle with all of his repetitive, and annoying questions, took time to ensure he understood things no matter how many times it took.
I would highly recommend this organization and Bret, and the team at the etobicoke office.
If they were this amazing with some one who tries my patience on a regular basis and helped him make the best choice for his situation I can only imagine how much better they would be with a regular person.
If you are in need or a desperate situation, call them, and they will treat you with the same compassion and professionalism we got! You wont regret it!
Neil
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Jennifer A.

2/29/2020

Always there when you need them with the answers you need. Patty and Howard have been a great help. Thank you both!!
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Deborah B.

3/03/2025

I received expert advice and was respected throughout my bankruptcy. I would highly recommend Hoyes, Michaelos & Associates for bankruptcy help. Thank you to Jason Quinny for his help during my journey
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Ashley J.

6/28/2022

When I finally had enough and had tried everything, I finally made the call. I was terrified and had so many questions and was so overwhelmed, full of guilt and shame. And let me tell you it was the best choice I had made in a long time. I was helped right away by Scott Terrio and he was fantastic! Walked me through everything and answered all my questions. Within a couple of days we had the ball rolling.
It was really nice to have some in my corner.
Ashley
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Ash B.

1/03/2021

I was struggling with the debt and reached a point where I could not catch up with the bills (and heavy interest). Soon, creditors' letters and phone calls started coming, and later a dreaded letter about the court date.

Joel and the team have helped me get my life on track. Joel is very courteous and showed sincere empathy for my struggle and pain. After reviewing my situation carefully, he provided me with the best option.

I highly recommend Joel and the team. If you are struggling like me, it's worth giving them a call.
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Adam C.

7/21/2020

Very professional group of people that help you take the next step to a brighter future.
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Book A Free Consultation

WE EXPLAIN ALL YOUR OPTIONS

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

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

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 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