About Hoyes Michalos

We Can Help You Get Out Of Debt

Hoyes, Michalos & Associates Inc. was founded in 1999 by Douglas Hoyes and Ted Michalos for one simple reason: to give you a fresh start. For over 20 years we’ve focused solely on helping individuals find debt relief. During that time we’ve helped more than 60,000 residents of Ontario get out of debt.

Licensed & Certified – Friendly & Professional – 99% Success Rate – Zero Upfront Fees

We are Licensed Insolvency Trustees, Consumer Proposal Administrators and Credit Counsellors

All our trustees are licensed by the federal government to provide debt advice, consumer proposal, and bankruptcy services. Our local client specialists are registered credit counsellors.

We can help:

  • Stop collection calls
  • Stop legal action
  • Stop wage garnishments (even if they have already started)
  • Eliminate your debt

Give us 30 minutes, and we will give you a Plan to Be Debt Free.

Call Us Today For Your Debt Free Plan 1-866-747-0660

Why Choose Hoyes Michalos?

Choosing a Licensed Insolvency Trustee is a very personal decision. You need a trustee you can work with before, during and after you sign up. Hoyes, Michalos is the trustee you can trust to deliver personalized, experienced, caring debt management advice that will help you build a stronger financial future.

Here is what we promise:

  1. You’ll meet with a licensed professional, never a salesperson.
  2. All consultations are free. You make no upfront payments.
  3. Our team is dedicated to helping you find the right solution and will meet as often as you need.
  4. We won’t force you to make a decision. 
  5. Each of our offices is managed by a dedicated, local trustee. 
  6. We are real people. When you call during normal business hours you talk to a live person, not voice mail.
  7. You always have easy access to your trustee. 
  8. We offer a convenient, pre-authorized payment system and flexible payment dates. 
  9. You benefit from our Fresh Start program with exclusive material to help you regain control of your finances.

Reviews and Awards

But don’t just take our word for it. 

At Hoyes Michalos a significant percentage of our clients come to us referred from satisfied clients.

We are proud to have an average 5-Star rating on Google with over 850 reviews and a Better Business Bureau A+ Rating.

We strive to provide our clients with the best experience we can offer which is why we are independently reviewed as one of the Three Best Rated bankruptcy trustees in most of our locations. The Kitchener-Waterloo community also voted us Best Licensed Insolvency Trustee in the 2020 Readers’ Choice Awards.

Reviews and Awards Better Business Bureau, Three Best Rated, Readers Choice, Google Reviews

Accreditation and Associations:

Find Your Nearest Location

Community Involvement

We meet with individuals from every walk of life with diverse cultural backgrounds including those with disabilities. Our policy is to treat people with respect and consideration and look for ways to provide our services in a safe, secure and professional manner.

We are committed to supporting our communities. In addition to local community involvement, Hoyes Michalos supports three charitable programs that help reduce the impact of financial struggles.

Community Involvment

Living Wage Ontario

Hoyes Michalos is proud to be a Living Wage Employer.

As Licensed Insolvency Trustees, we see the impact of the average Ontarian struggling paycheque to paycheque and relying on debt to make ends meet. As an employer, Hoyes Michalos has made the commitment that all direct and indirect staff working at Hoyes Michalos will receive a living wage.

The Food Bank of Waterloo Region

Carrying debt can mean choosing between paying bills or having food on the table. It’s something we see almost every day. That’s why we are proud to partner with The Food Bank of Waterloo Region in support of their Food & Fund Drive.

Much like debt problems, food insecurity can happen because of a catastrophic life event – a sudden job loss, underemployment, illness, or change in a relationship. Anyone can find themselves facing severe financial problems that can lead to the need for services provided by regional food banks. With our partnership with The Food Bank of Waterloo, we hope to inspire conversations that challenge and change the misconceptions around food and financial insecurity.

Project Recover

Human trafficking is a major problem around the world including in Canada. In addition to the human and emotional toll, victims can have their identity stolen and used to apply for credit in their name. As a partner in Project Recover, we sponsor the Hoyes Michalos House in Guelph and Burlington where victims can live while they attend school, work and get a fresh start.

Get A Personalized Debt Free Plan

Contact A Trustee ›

Find an Office Near You

Offices throughout Toronto and Ontario

google logoHoyes, Michalos & Associates Inc.Hoyes, Michalos & Associates Inc.
4.9 Stars - Based on 931 User Reviews

What our clients have to say:

★★★★★
5 5 1

“From the moment I made the initial contact, I was pleasantly surprised and very thankful. Scott put me right at ease, he made everything make sense and it was quite painless. MOST of all he LISTENED to my situation and came up with a plan that made most sense for ME and met my needs. I felt welcome and at ease by all staff I came in contact with right to the receptionist at the front door. They kept in touch with me every step of the way, never left me waiting and worrying and at the end of the day I felt lighter and brighter and that for the first time in a long time everything was going to be OK. It was never in my plan to do this and I felt bad about it, but you cannot change the way that life changes and in my case it was the best option I had. Highly highly recommend this firm...very professional, extremely friendly and very very caring...Thank you Hoyes for changing my life so I can breathe again...”