In consideration of COVID-19, consultations are now available by phone and video chat.

We are now available by phone and video chat.

Community Involvement

Hoyes Michalos is dedicated to bringing positive, measurable change to the neighbourhoods in which we live and work. As Licensed Insolvency Trustees, we see the impact struggling paycheque to paycheque takes on the average Ontarian and how this causes many to rely on debt to make ends meet.

We recognize that consistent, affordable access to food, education and extra-curricular activities leads to healthy, empowered individuals and prosperous societies. We volunteer our time and donate to valuable local organizations that do the real hard work to achieve these objectives.

We are a Living Wage Employer

Living Wage Employer Ontario logo

More and more people are working for low wages. We see the financial struggle this creates every day. Hardworking Ontarians face impossible choices – buy food or heat the house or pay the rent. The result, as we know, can be spiraling debt, anxiety, and long-term health problems. 

While we give back to our communities in many ways, it all starts with how we operate as an employer. Hoyes Michalos has made a commitment that all direct and indirect staff working at our firm will receive a living wage and we are proud to be a Certified Living Wage Champion.

We’ve partnered with The Food Bank of Waterloo Region

The Food Bank of Waterloo Region logo

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. We are delighted to help change the narrative around the ‘typical’ food bank participant. Like those we help, these are our neighbours, our coworkers, and our friends.

With our partnership with The Food Bank of Waterloo Region, through their Food & Fund Drive, we hope to inspire conversations that challenge and change the misconceptions around food and financial insecurity.

Giving across Ontario…

The North End Harvest Market (NEHM). The Harvest Market allows low-income families and individuals to meet their healthy food needs in the Guelph region. We sponsored 4 weeks of the program.

CHYM Father-Daughter Ball. In support of the Grand River Hospital Foundation, helping to advance exceptional care for those in our community living with prostate cancer.

Cambridge Tour de Grand. For seven years, Hoyes Michalos has proudly sponsored the Tour de Grand, with proceeds going to fund the Helmets for Kids program.

The Sun County Panthers. The Sun County Panthers are a local AAA hockey team based in Windsor, Ontario. We were happy to support them during the season.

The LaSalle Stompers. For five years, Hoyes Michalos has been delighted to sponsor the LaSalle Stompers boys soccer team, based in Windsor, Ontario.

Muddy Grape Endurance Run. We were proud to sponsor this event in Guelph in support of Special Olympics Ontario. 

Fun For the Family in Brantford. For six years, we’ve been supporting the Harmony Square Movie Nights, providing free, quality movies for community residents.

The 570 News Secret Santa Toy Drive. We were delighted to help ensure that more children experience the joy of Christmas in Waterloo Region.

A Silver Sponsor of the Family and Children’s Services Niagara Charity Gala. We’re proud to support FACS Niagara to further enable their efforts in child protection, counselling, foster care, and adoption.

Foundation for Education Perth Huron Gala Auction. In support of programs in the Avon Maitland District School Board, making a lasting difference to countless students, which is what has drawn us to sponsor them over the years.

IronKids Triathlon. For two years we sponsored the IronKids Triathlon at the St. Thomas, Ontario YMCA to promote a healthy and active lifestyle for children.

Hamilton Credit Counselling “Book Talk” Workshop. We were thrilled to support a fun local initiative by Catholic Family Services to introduce small groups to a useful book about a particular financial topic in an effort to promote financial literacy.

Brantford Rotary Charity Airshow. We were delighted to sponsor this event in support of the Brantford Boys and Girls Club and the Lansdowne Children’s Centre.

The Kidney Foundation Celebrity Men Fashion Event. For two years we sponsored this event with all proceeds going to support The Kidney Foundation.

Benefit Comedy Night in Kitchener. We proudly sponsored this event to provide funding for community-based organizations such as the National Autism Foundation.

Girls in Motion (GIM) 10th Anniversary Gala. The GIM program is dedicated to engaging young non-athlete, grade 10 girls who are potentially at risk of adopting inactive lifestyles in Windsor, Ontario. We were happy to support this meaningful cause.

Doug Hoyes and Ted Michalos donating to various organizations

Doug Hoyes, Ted Michalos and 570 News radio crew posing for Secret Santa sponsorship

Doug Hoyes and Ted Michalos holding Living Wage plaque

Ted Michalos with cheque to the North End Harvest Market

Ted donating to North End Harvest Market

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 667 User Reviews

What our clients have to say:

★★★★★
5 5 1

“I was overwhelmed with credit debt. Being bombarded with constant phone calls, and letters, from debt collectors was very stressful. It seemed like there was no way out. Until I heard about Hoyes, on my local talk radio station. They are friendly, caring, knowledgeable, and professional, with many year's of experience. During my first meeting, they took the time to learn about my debt, and financial situation. Explaining my different options, and helping to come up with a plan that would work best for me. They helped me avoid filing for bankruptcy, by putting forward a consumer proposal to my creditors. My proposal was accepted, and I am happy to finally be debt free, thanks to Hoyes. It feels like a huge weight has been lifted off of my shoulders. Hoyes are the best debt relief specialists.”