Give Us 30 Minutes We'll Give You a Plan to be Debt Free

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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

Hoyes Michalos has helped over 40,000 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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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

Consumer Proposals


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

Learn More About Consumer Proposal

Personal Bankruptcy

Personal Bankruptcy


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

Learn More About Personal Bankruptcy

Debt Management Solutions

Debt Relief Solution


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

18 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.

WHAT OUR CLIENTS SAY ABOUT US

  • “Thank you for your help! I was treated well every step of the way. The advice was excellent and my trust in your organization was well placed. Thanks again for everything.”

    • Harold P. (name changed)
    • Age: 63
    • Brampton, ON
    • Common-law
    • Debt: $13,500
  • “I always had a very positive experience when I had to call your office with questions. Your staff is really professional, but most of all, I found them to be compassionate advocates. Thank you for all your help.”

    • Emma S.
    • Age: 43
    • Married
    • $65,565 debts

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.

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