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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


  • Natasha C. Avatar
    Natasha C.
    5/14/2019 - Google

    Nicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He... read more

  • Sean V. Avatar
    Sean V.
    positive review 
    9/14/2019 - Facebook

    Great and professional service. They explain everything very clear to make sure you understand every step of the process. Also very helpful when it comes to playing monthly and... read more

  • Jeannie G. Avatar
    Jeannie G.
    positive review 
    6/04/2019 - Facebook

    I am so grateful for the kindness and non-judgmental help I received from Jason. It took 5 yrs for me to use up my little savings and go into debt... read more

  • Portia S. Avatar
    Portia S.
    9/18/2019 - Google

    I am so happy I found Hoyes, Michalos & Associates! I only wish I would have came to them sooner. They have taken such a weight off my shoulders!

  • 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

  • Veronica G. Avatar
    Veronica G.
    12/13/2018 - Google

    Hoyes,Michalos & Associates have been nothing but a lifeline for me in my financial mess. Each and every person I have met in their company has been upfront, ... read more

  • jeff j. Avatar
    jeff j.
    9/26/2019 - Google

    I dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

    Unfortunately life events happen, which lead...
    read more

  • J- R. Avatar
    J- R.
    1/29/2019 - Google

    They walked through the entire process and made everything go smooth. Such a relief and helped get back on the right track.

  • James M. Avatar
    James M.
    11/13/2018 - Google

    If you are having issues with finances go here! They are friendly and will find a way to help you! Don't be shy and don't wait you won't... read more

  • Jonathon R. Avatar
    Jonathon R.
    9/09/2019 - Google

    I was feeling trapped in my own dept, and looking for a solution. Hoyes, Michalos & Associates made the change from overwhelming to a breath of relief for me. I... 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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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