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

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

WHAT OUR CLIENTS SAY ABOUT US

Amanda J.

6/26/2022 - Google

Maureen has made this whole process easy, judgement free, and stress free. Highly recommend her if you're struggling with debt and are looking to see what your options are.
Sassy V.

11/18/2022 - Google

Truly a life changing decision for me . I wish i could have applied earlier. Been in in the toughest time of my life ,Ted is very helpful and making... read more read less
V K.

1/20/2023 - Google

Empathy, understanding and guiding hand - Scott Terrio from Hoyes, Michalos & Associates provided all three when I was looking for solutions when faced with financial problems. Scott explained how... read more read less
Irene M.

6/07/2021 - Google

The ease, dedication and professionalism was outstanding. It has been a challenging year with the pandemic I can't thank Rebecca enough for a easy transition
Stephanie H.

5/25/2022 - Google

Rebecca and Tina are so kind and wonderful. They are very helpful and very easy to talk to, they answered every question without any issues. My experience has been so... read more read less
Jess T.

3/05/2021 - Google

I had the pleasure of dealing with first Billy then Beau! Billy was very kind and informative he helped me with my initial consultation and made the process painless, Thank... read more read less
Jessica C.

7/19/2023 - Google

Rebecca Martyn is wonderful. She is a very caring, sensitive and knowledgeable person. She always responds quickly and effectively to any of your questions or concerns.
I highly recommend her... read more read less
Peter K.

9/29/2022 - Google

I am writing about Nicholas, one of the workers here. Back in May 2020 he helped to guide me from a huge mistake, as I was going to do a... read more read less
Grace T.

6/25/2019 - Google

My experience with Nicholas service was exceptional. I am very happy and confident with all the decisions I’ve made for the past few moths despite of my complicated case. It... read more read less
Holly L.

2/13/2023 - Google

Kristen has been amazing and very informative! Highly recommend.

Get In Touch With A Trustee

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