Consolidate Debt - Get Lower Payments

Become Debt Free within 5 Years

A Consumer Proposal Will Help You:

Consolidate unsecured debt
Make only one, single, lower monthly payment
Eliminate interest
Stop creditor actions
Keep your assets

Reduce principal repayment by as much as 70%

Why Choose Us?

We are insolvency trustees licensed by the federal government to:
Stop collection calls
Stop legal actions
Stop wage garnishments ( even if they have already started)
Eliminate your debt

Hoyes Michalos was founded in 1999 because Ted and I wanted to create a firm that placed an emphasis on helping individuals solve their financial problems. Our practice is to spend as much time with you as you need to help you develop a plan to deal with your debts. We want to find the best solution for you, and your family.

J. Douglas Hoyes

Licensed Insolvency Trustee

Get an Instant Estimate

Our debt calculator provides a comparison of what your monthly debt repayment might look like under different debt relief options. Simply enter your total unsecured debt, including credit card debt, bank loans, lines of credit, payday loans and tax debts. Do not include mortgage or secured car loans.

Enter your total unsecured debt


Approximate Monthly Payment Over 5 Years

Approximate Total Cost Over 5 Years

Repay Debt on Your Own
Debt Consolidation
Credit Counselling
Consumer Proposal

Book a Free Consultation

You are guaranteed respect, confidentiality and custom tailored expert advice.

  • Always Meet a Trustee - Not a sales clerk
  • 99% Consumer Proposal Acceptance Ratio
  • Commited to Help You through the Entire Process
  • We Respect Your Privacy
Find an Office in Ontario

Offices throughout Toronto and Ontario

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