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

Fill out the form below and receive a No-Obligation Consultation
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 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.

Let's Get Started

Hoyes, Michalos & Associates Inc.

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 Proposals

Consumer Proposal


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 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.

Book a Free Consult

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

WHAT OUR CLIENTS SAY ABOUT US

  • Gerard D. Avatar
    Gerard D.
    positive review 
    9/17/2019 - Facebook

    They were so helpful to me in deciding on what to do with my debt and am so happy to have chosen this company am in a cp with them... read more

  • JoAnne E. Avatar
    JoAnne E.
    1/10/2020 - Google

    I found myself in Way Over My Head in debt. I researched and found Hoyes, Michalos & Associates Inc. I gave them a call and setup a meeting. Patty was... read more

  • joann g. Avatar
    joann g.
    2/13/2020 - Google

    The staff were understanding and professional. I felt at ease talking to Heather. It is not an easy decision to go bankrupt but sometimes it has to be done. If... read more

  • Amber O. Avatar
    Amber O.
    9/10/2018 - Google

    I’ve worked with this company twice now and nothing but a positive experience both times. Very knowledgeable, friendly and understanding.

  • Amber O. Avatar
    Amber O.
    9/10/2018 - Google

    I’ve worked with this company twice now and nothing but a positive experience both times. Very knowledgeable, friendly and understanding.

  • Mary . Avatar
    Mary .
    7/20/2019 - Google

    Fantastic experience. I went in feeling overwhelmed with my finances, but left feeling like I could breath again

  • Alan O. Avatar
    Alan O.
    12/13/2019 - Google

    Rebecca Martyn and staff at the Windsor office proved to be very efficient, professional and most competent while guiding us through the consumer proposal. She was exceptional at... read more

  • Amber O. Avatar
    Amber O.
    9/10/2018 - Google

    I’ve worked with this company twice now and nothing but a positive experience both times. Very knowledgeable, friendly and understanding.

  • M G. Avatar
    M G.
    1/28/2020 - Google

    Douglas Hoyes is a consummate professional and from the first time I spoke to him to the very end his service, ethics, empathy and understanding was nothing short of exceptional.

    It...
    read more

  • Kobie F. Avatar
    Kobie F.
    9/12/2019 - Google

    Very knowledgeable and friendly staff on top of being licensed in trusteeship. Thanks Jason and others for helping me get my credit history in order.

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