Licensed Insolvency Trustees & Credit Counsellors
Consumer Proposal · Bankruptcy · Debt Relief
Offices Across Ontario & the GTA
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.
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 cause financial stress because the interest accumulates faster than you can pay it off. We help you break the payday loan cycle.
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.
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.
Paying high interest on your bank loans? Behind on bill payments? We can stop collection calls, wage ganrishments and lower your monthly payments.
They have been very friendly and helpful from the beginning. I feel a huge weight off my shoulders, not only because of me debt relief, but also because I feel... read more
I have no idea how all of the previous reviews gave such positive affirmations. They do not help with debt relief or debt counselling. They offer cookie cutter solutions and... read more
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
My Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses to any and all queries I sent her way, truly... read more
I have dealt with/spoken with four different individuals with Hoyes-Michalos while arranging my consumer proposal and each one was incredibly friendly, polite and supportive.
The feeling of relief I now have... read more
No matter the financial difficulties you’re facing, Hoyes Michalos’ friendly trustees will help you get back on track
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.
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.
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.
Friendly & Professional
Friendly Local Trustee
99% Success Rate
Consumer Proposal Acceptance
Zero Upfront Fee
Debt relief with No Pressure
Licensed & Certified
Trustee not a sales person
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.