Give Us 30 Minutes.
We'll Give You a Plan to be Debt Free.

  • Always Meet With a Trustee - Not a Sales Clerk
  • 99% Consumer Proposal Acceptance Rate
  • Convenient Offices Across Ontario
  • A Committed Team to Help You through the Entire Process
Hoyes Michalos has helped over 40,000 Ontario
residents get out of debt since 1999

Who We Are

Hoyes, Michalos & Associates Inc. was founded in 1999 by Licensed Insolvency Trustee Douglas Hoyes and Licensed Insolvency Trustee Ted Michalos to provide custom-tailored, 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. Hoyes Michalos helps you develop a plan to deal with your debt. We guarantee professional, respectful, expert advice that meets your needs. Give us 30 minutes. We’ll give you a plan to be debt free.

How We Can Help

No matter the financial difficulties you’re facing, Hoyes Michalos’ friendly trustees will help you get back on track

Consumer Proposals

Immediate relief! And up to 85% cheaper than repaying your debts on your own.

Learn More About Consumer Proposals

Personal Bankruptcy

Stop the collection calls and wage garnishments. Get a fresh financial start.

Learn More About Personal Bankruptcy

My trust in Hoyes Michalos was well placed

Thank you for your help! I was treated well every step of the way. The advice was excellent and my trust in your organization was well placed. Thanks again for everything.

  • Harold P. (name changed)
  • Age: 63
  • Brampton, ON
  • Common-law
  • Debt: $13,500
Read More Testimonials

The Hoyes Michalos Bankruptcy Blog

Featured Post


Seniors and Finance With Vanessa Benedict

Posted in Money Tips
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

With fixed incomes, potential long-term care options and adult children to think about, there are a lot of ways seniors can end up in debt. When it comes to personal finance, it's important to think about it in tiers.

Read More