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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Hoyes, Michalos & Associates Inc.

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.

Book a Free Consult

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


  • Cori Cole Avatar
    Cori C.
    8/23/2021 - Google

    All the individuals I’ve worked with have been extremely helpful and I’ve gone out of their way to make this process as painless as possible.

  • Peter Conte Avatar
    Peter C.
    8/04/2020 - Google

    Sandra helped me cut my debt in half. I highly recommend contacting Hoyes Michalos if you are drowning in debt payments. Don't hesitate!

  • Muhammad Bilal Avatar
    Muhammad B.
    6/13/2020 - Google

    Jason Quinney from (Hoyes, Michalos and Associates Inc) has helped me when i was in a very bad financial place in my life.

    Him and his team have really great...
    read more

  • A Google User Avatar
    A G.
    5/29/2020 - Google

    At such a difficult life transition, Hoyes Michalos and Associates helped to give me a fresh start. The level of stress I was dealing with has been alleviated tremendously... read more

  • Simon Benevides Avatar
    Simon B.
    11/19/2019 - Google

    Brett explained everything patiently, thoroughly and in a way that was easy to understand. He assured me things would get better also we had a laugh or two. Great guy,... read more

    LINDA P.
    6/23/2020 - Google

    My experience with this company is the best by far. Not only do they know their line of business their compassion towards their clients is very refreshing in today's society.

    read more

  • Bassam Avatar
    2/22/2021 - Google

    I strongly recommend their services, based on my experience they are the best in their business.

  • Loren Cast Avatar
    Loren C.
    4/21/2021 - Google

    I had Rebecca Martyn working to help me with my financial situation and she was amazing. She was kind and understanding and really helped me feel at ease with my situation.

  • High Pressure Love Elizabeth Somboun Avatar
    High P.
    2/03/2020 - Google

    Very good service. Patty was amazing they help you understand fully the difference between a proposal and a bankruptcy. They are a legit company. Friendly staff and compassionate. Very experienced... read more

  • Kim Larose smith Avatar
    Kim L.
    5/14/2021 - Google

    One day I made the decision that I needed some help with my finances. As we all sometimes run into some issues. When I called they made me feel... read more


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

Consumer Proposals Decorative Icon

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

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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 Management Solutions Decorative Icon

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

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

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.


Arrange a free consultation in any of our locations across Ontario
including nine offices across the Greater Toronto Area.

Featured on:

  • Global News
  • CBC News Network
  • The National
  • Business News Network
  • CTV News
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