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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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.

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

WHAT OUR CLIENTS SAY ABOUT US

Maxx G.

1/10/2022 - Google

Amazing experience and great help! very friendly staff made this process easy.
Ana D.

10/18/2021 - Google

Maureen has been amazing through this entire process. She has helped my family without judgement. She has made everything so simple and stress free. Our only regret is waiting so... read more read less
DJ P.

4/11/2022 - Google

I got excellent help from Hoyes, Michalos with a consumer proposal, which is now completed. This was a huge stress reducer.
Ivan A.

10/05/2022 - Google

After a messy separation and unfair legal ramifications, I found myself struggling to make ends meet between support / lawyers and individual basic costs. HMA helped me see that there... read more read less
Jonas P.

10/02/2020 - Google

Uncertainty about finances and servicing my debt with interest charges created a panic combined with mental unrest.
When I heard about Hoyes & Michalos it became obvious that I would inquire... read more read less
Edward P.

11/21/2020 - Google

Great service very easy to deal with Billy and Peter very much did everything
Lev T.

7/15/2021 - Google

These guys are awesome! They really care about their customers and show great will to help you all the way by going an extra mile for you and providing lots... read more read less
Ali F.

1/07/2020 - Google

Amazing service, couldn't be happier! These guys know exactly what they are doing.
Retlaw E.

1/05/2023 - Google

I was facing a financial hardship and when I found out about Hoyes, Michalos & Associates they have helped me alot. Thank you for our representative Benny that helped us... read more read less
Tim B.

8/30/2021 - Google

Very professional and courteous and responsive to the needs of their clients during a difficult period in their lives.

Get In Touch With A Trustee

WE EXPLAIN ALL YOUR OPTIONS

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

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

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

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