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.

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WE HELP YOU GET OUT OF DEBT

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

Consumer Proposal

Immediate relief! And up to 85% cheaper than repaying your debts on your own

Learn More About Consumer Proposal

Personal Bankruptcy

Stop the collection calls and wage garnishment. Get a fresh financial start.

Learn More About Personal Bankruptcy

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.

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Hoyes, Michalos & Associates Inc.
Consumer Proposal &
Licensed Insolvency Trustee
Debt Relief Experts

WHAT OUR CLIENTS SAY ABOUT US

Amanda Z.

6/18/2019 - Google

Would be nice to get a call back when you leave your advisor a voicemail!
Jessica L.

9/30/2019 - Google

Thank you Hoyes, Michalos and Associates! I'm on the road to being dept free!
Debbie N.

1/07/2019 - Google

Made appointment through email and they got back to me right away. My first appointment we discussed my options. They went through everything step by step, got all the... read more read less
Alex A.

11/12/2019 - Google

Rebecca was extremely knowledgable and made the entire process clear and easy. I would highly recommend Hoyes and Michalos to anyone seeking an insolvency trustee.
Gordon N.

9/12/2018 - Google

Professional, helpful and excellent service to receive the help that I needed.
Lisa M.

3/13/2017 - Google

Excellent staff. Very knowledgeable and helpful.
Scott M.

10/03/2019 - Google

Great help and a good group of people to work with.
Dustin L.

8/06/2019 - Google

Honestly the best decision I’ve made this year was to get help from Hoyes, Michalos & Associates. Their Vaughan office is conveniently located and Brett is a real pleasure to... read more read less
ellisjn ..

6/12/2019 - Google

Thank you Patricia, Margaret, and Howard at the Cambridge office for providing exceptional service when handling my consumer proposal. From consultation to filing to the aftermath, they were all friendly... read more read less
Sue H.

7/30/2019 - Facebook

Clear, concise advise.
Professional, no judgment and great resource. :)