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

Katie H.

4/09/2021 - Google

Dealing with Billy was a pleasure. Extremely knowledgeable. Willing and able to answer all my questions. Was able to present me with my choices right away. I was never made... read more read less
Barbara B.

1/06/2020 - Google

Please note this firm was most helpful in the consumer process and felt at ease with same. I would recommend this firm
Crystal B.

5/11/2021 - Google

I contacted Hoyes to file my bankruptcy. They took me in, assisted me at getting myself situated appropriately, refereed me to dealerships that dealt with my situation, fully and completely... read more read less
Rebecca W.

6/13/2022 - Google

So I had a good and bad experience with them. Some of the team are friendly, and some aren't so friendly. My whole bankruptcy went fine until it came for... read more read less
Parviz R.

5/19/2022 - Google

I am very satisfy from the service of Hoyes. Special thanks to Benny for making easy the process.
Guest

2/15/2023 - Google

I was dealing with a very difficult-to-solve sponsorship debt situation. I phoned hoyes associates and spoke to Brian A. McIlmoyle. He explained everything in detail and helped me in dealing... read more read less
Alice S.

5/07/2020 - Google

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 read less
Tony H.

8/04/2021 - Google

I reached out to Hoyes, Michalos & Associates through the recommendation of a friend, and it was the best decision I could've made. They, and particularly my main contact Scott,... read more read less
Anna L.

7/21/2022 - Google

I just finished paying off my consumer proposal after 3 years. So happy and relieved and I couldn't do it without you guys taking the stress off me and starting... read more read less
Anita C.

7/08/2021 - Google

Strongly recommend this company. Their patience, understanding, advice and support exceeded far beyond my expectations.

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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