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

We are now available by phone and video chat.

Friendly & Proffesional

Friendly & Professional

99% Success Rate

99% Success Rate

Zero Upfront Fee

Zero Upfront Fee

Licensed & Certified

Licensed & Certified

Call us today 1-866-747-0660

BBB Accredited Business - Hoyes, Michalos & Associates Inc.


Jennifer Read Avatar
Jennifer Read
9/21/2020 - Google

This has been far the best service!!! Dealing with ones dept is never an easy process; it’s scary, you... read more

Robert C Avatar
Robert C
9/21/2020 - Google

Sandra Sykora at Hoyes, Michalos made the process of deciding to file a Consumer Proposal less stressful. She is very... read more

Casey Fournier Avatar
Casey Fournier
9/21/2020 - Google

I could say so many good things but people would get bored. Everyone on the team here is so transparent... read more

Helping Ontarians 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.


Arrange a free consultation in any of our locations across Ontario today.

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