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

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

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

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


  • A G. Avatar
    A G.
    3/11/2020 - Google

    Great business great staff if you need help these are the guys you want on your side

  • DezMoy D. Avatar
    DezMoy D.
    8/02/2020 - Google

    I dealt with Jason and he was AWESOME! He answered all of my questions and was very clear on everything. He made me see that there IS a light... read more

  • Veronica T. Avatar
    Veronica T.
    4/06/2021 - Google

    Brett at the Vaughan office is an absolute professional in his field. Friendly, extremely knowledgeable, and willing to go the distance to make the client feel confident and informed. He... read more

  • Mariusz B. Avatar
    Mariusz B.
    8/08/2020 - Google

    I have been fighting with creditors for years, taking one step forward then taking 3 steps back for years. I have always looked into getting help but never followed through... read more

  • Camille S. Avatar
    Camille S.
    2/07/2020 - Google

    My Trustee was Sandra Sykora she was clear and direct and always checked in that I understood what she said. Which calm me down enough to laugh a little. ... read more

  • pat Avatar
    12/21/2020 - Google

    Nicolas and Diana were awesome right from the beginning of my journey.
    They are very professional and non-judgmental!

    I began with Nicolas who was over the top with explaining and putting me...
    read more

  • Amy J. Avatar
    Amy J.
    4/08/2021 - Google

    I will forever be grateful to these people. They saved me and showed me how to live again. They never judged me and made me feel like they care. Their... read more

  • 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.

    read more

  • Kathryn L. Avatar
    Kathryn L.
    11/17/2020 - Google

    I contacted Hoyes to see if they could help my father with some debt he got himself into. I spoke to Mark and right from the start he was professional,... read more

  • gui y. Avatar
    gui y.
    5/19/2020 - Google

    Helpful staff, they put my worries at easy. Happy client. Will recommend!


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

Personal Bankruptcy Decorative Icon

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