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Our goal is to give you actionable tools, tips and advice to help you on your road to debt freedom.

We have created a free and easy to use excel Debt Repayment Worksheet.

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Hoyes, Michalos & Associates - Consumer Proposal & Licensed Insolvency Trustee

Hoyes Michalos provides residents of Ontario burdened with debt a fresh start. As Licensed Insolvency Trustee (also known as bankruptcy trustees) regulated by Industry Canada, we provide free initial consultations to explain all your debt relief options, including credit counselling, debt settlement, debt consolidation, consumer proposal and personal bankruptcy.

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