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 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.

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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


  • Conor M. Avatar
    Conor M.
    8/19/2020 - Google

    Maryia Bratkouskaya has been amazing during my bankruptcy process. Truly amazing person and counselor!

  • ildi Avatar
    11/03/2020 - Google

    Services are clear, concise, to the point all without losing sight of the sensitivity of the topic at hand. Very happy with services

  • Bella L. Avatar
    Bella L.
    8/11/2020 - Google

    I strongly reccomend that you seek out Hoyes-Michalos for support and guidance if you have run into difficulty with your creditors. The staff in the London office (in Ontario,... read more

  • pat a. Avatar
    pat a.
    12/09/2019 - Google

    I’m very grateful that I came across hoyes, Jason was very professional and did a great job to make me understand step by step what was required of me. I... read more

  • Tom S. Avatar
    Tom S.
    11/02/2018 - Google

    Alison at Hoyes Michalos really helped get me through the worst experience of my life. She is charming and professional and makes what could be a very unpleasant experience... 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

  • Laura L. Avatar
    Laura L.
    11/04/2020 - Google

    I had a consultation with another debt relief agency about filing for a consumer proposal and they asked me for 400.00 upfront which made me suspicious about them. I'm very... read more

  • Linda S. Avatar
    Linda S.
    8/15/2020 - Google

    I got referred by my sister to Jason Q., he is amazing at what he does, he has put me at ease, thank you so much Jason, definitely will recommend... read more

  • Sam B. Avatar
    Sam B.
    4/08/2021 - Google

    This past year has been so incredibly stressful with covid, add to that the stress of not being able to pay my bills. Bankruptcy was the only option for me.... read more

  • A G. Avatar
    A G.
    9/01/2020 - Google

    Can’t say enough good things about Meg and Ted and how they have helped me. Judgement free zone. Made me feel comfortable to ask any question, big or small. Gave... read more


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

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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

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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