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.


Sarah Gerrish Avatar
Sarah Gerrish
7/08/2020 - Google

I had my own worries and concerns when contacting Hoyes, Michalos but after talking with Billy Martell and Beau Humphreys... read more

Albena Lake Avatar
Albena Lake
7/08/2020 - Google

Extremely professional and knowledgeable team.
Sandra is incredibly experienced and the provided support is invaluable.

Sandro Khanu Avatar
Sandro Khanu
7/07/2020 - Google

Consulted with Hoyes, Michalos & Associates Inc regarding a consumer proposal or bankruptcy, they were professional from start to finish.... 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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