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 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

  • jeff j. Avatar
    jeff j.
    9/26/2019 - Google

    I dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

    Unfortunately life events happen, which lead...
    read more

  • Gloria N. Avatar
    Gloria N.
    9/18/2018 - Google

    I highly recommend the services of Hoyes Michalos Associates. I went to their Guelph office and was given helpful, honest, and useful advice. They helped me solve a... read more

  • Gordon N. Avatar
    Gordon N.
    9/12/2018 - Google

    Professional, helpful and excellent service to receive the help that I needed.

  • Vannessa S. Avatar
    Vannessa S.
    11/08/2019 - Google

    Empathetic but to the point... Does everything by the books to get you the best legal results... Thank you H&M

  • 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

  • Kezaabu A. Avatar
    Kezaabu A.
    2/16/2019 - Google

    Words cannot express my appreciation to Hoyes Michalos & Association. I was going through difficult time financially and was looking for ways to solve my problem. I came... 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.

  • Philip C. Avatar
    Philip C.
    8/21/2019 - Google

    Extremely helpful and easy to speak with. (As well, very easy to contact)
    I sat down with them in 2015 and they went over plans and options step by step...
    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.

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