Debt Relief Experts
Give Us 30 Minutes We'll Give You a Plan to be Debt Free
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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
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.
How we can Help
No matter the financial difficulties you’re facing, Hoyes Michalos’ friendly trustees will help you get back on track
Consumer Proposals
Immediate relief! And up to 85% cheaper than repaying your debts on your own
Personal Bankruptcy
Stop the collection calls and wage garnishment. Get a fresh financial start.
Debt Relief Solution
Our Licensed professionals can help you find the best ways to eliminate your debt.
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 40,000 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.
CHOOSE AN OFFICE NEAR YOU
Our licensed professionals will help you explore your debt relief options.
Arrange a free consultation in any of our locations across Ontario today.
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