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

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Friendly & Proffesional Local Trustee

Friendly & Professional

Friendly Local Trustee

99% Success Rate Consumer Proposal Acceptance

99% Success Rate

Consumer Proposal Acceptance

Zero Upfront Fee Debt relief with No Pressure

Zero Upfront Fee

Debt relief with No Pressure

Licensed & Certified Trustee not a sales person

Licensed & Certified

Trustee not a sales person

Hoyes Michalos has helped over 60,000 Ontario residents get out of debt 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. Give us 30 minutes. We’ll give you a plan to be debt free.

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Hoyes, Michalos & Associates Inc.

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

Consumer Proposals

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

Learn More About Consumer Proposal

Personal Bankruptcy

Personal Bankruptcy

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

Learn More About Personal Bankruptcy

Debt Management Solutions

Debt Relief Solution

Our Licensed professionals can help you find the best ways to eliminate your debt.

Learn More About Debt Relief

Wage Garnishments

Tax Debt

Student Loans

Credit Card Debt

Collection Calls

Debt Consolidations

See what your payments might be

Our Licensed Professionals will help you explore your debt relief options.

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

What sets us apart

20 years of Industry Experience

Hoyes, Michalos & Associates Inc. was founded in 1999 and since then we have helped over 60,000 Ontario residents get out of debt.

99% Consumer Proposal acceptance rate

We provide a solution that works for you financially and will be accepted by the creditors. That is why 99% of consumer proposals filed with us are accepted.

Debt relief in 30 minutes with no upfront fees or pressure

We provide you with a plan to eliminate your debt. It all starts with a free 30 minute, no-obligation consultation.

Licensed Insolvency Trustee

We are accredited by the Office of the Superintendent of Bankruptcy to provide government debt relief programs for Canadians including personal bankruptcy and consumer proposal services.

Convenient offices staffed with friendly local trustees

Our team of accredited trustees and credit counsellors provide caring, confidential friendly advice to help you get out of debt and get your life back.


  • Paula VanVeenPaula VanVeen

    I worked with Diane in preparation for filing a consumer proposal. While I ultimately did not require the services of Hoyes, Michalos and Associates, I would highly recommend them to anyone considering a consumer proposal or bankruptcy. Diane was thoughtful and kind, and treated me with the utmost respect in listening to my situation and walking me through my questions. This company is very obviously committed to serving their clients and making what can be a difficult and emotional process easier to get through.
    Thank you so much, Diane and the Hoyes team!

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  • AmyAmy

    Ian was awesome! He was so professional and not judgemental. He made everything extremely clear, and laid out all my options! I was so nervous going into this and he really put me at ease. Couldn't recommend a better place!

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  • Jason NellesJason Nelles

    My wife and I went in yesterday not knowing what direction to take.
    After spending half hour with Scott we left feeling so much better.
    Scott was very professional. Did not make us feel judged in anyway.
    I would strongly recommend using these guys.

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  • Glen EassonGlen Easson

    Meeting up with these guys was the best thing I have ever done in my life! It all started with a little podcast I came across called “debt free in 30” and it completely changed my outlook and gave me a better understanding of what I was about to get into! After listening to the entire catalogue up to that date I gave them a call and booked my consultation!

    I was greeted with no judgement and given everything I needed to become debt free! I was also shown how I was frivolously spending $2000/month that was from that point banked and paid for my wedding!!!!

    My credit counselling sessions were done with the lovely Diane!!! Boy, what can I say....she made becoming debt free and banking money something to be proud of and learned even more from her! (We still keep in contact)

    Don’t be scared, intimidated or embarrassed about the debts you may have! Call them and get back on the right track and you will’s a lot easier than you think it’s going to be!!!

    Thanks for everything,
    Glen Easson

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  • marsha widmeyermarsha widmeyer

    I went in to Hoyes, Michalos & Associates scared, confused and not knowing what's going on. My debts were getting to be too much to handle. My first appointment with Scott was great. He didn't look at me like I was a number, he talked to me like I was a person. He made sure I understood everything that's going on, and everything that was going to happen. They are so understanding, even if you have to miss a payment. I'm so glad I contacted Hoyes, I am now starting a debt free life with a better understanding of how ones credit history can affect your life. Thank you Hoyes, Michalos & associates.

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Our licensed professionals will help you explore your debt relief options.
Arrange a free consultation in any of our locations across Ontario today.

Featured on:

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Hoyes Michalos In The Media

Industry Insights:

  • Joe Debtor Bankruptcy Study
  • Homeowners Bankruptcy Index
  • Debt Free in 30 - Personal Finance, Money Management and Bankruptcy Podcast
  • Straight Talk On Your Money by Doug Hoyes