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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.

Let's Get Started

Hoyes, Michalos & Associates Inc.


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

Consumer Proposals

Consumer Proposal

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 Solutions

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.

Book a Free Consult

Hoyes, Michalos & Associates Inc.
Consumer Proposal &
Licensed Insolvency Trustee
Debt Relief Experts


  • Scott M. Avatar
    Scott M.
    10/03/2019 - Google

    Great help and a good group of people to work with.

  • Gerard D. Avatar
    Gerard D.
    10/12/2019 - Google

    This company is a excellent source to go to if you are in debt they are very friendly and helpful and willing to listen to your situation that u may... read more

  • Ashley R. Avatar
    Ashley R.
    9/13/2019 - Google

    I had a very positive experience dealing with the London office from the first meeting to the last one. They made me feel comfortable and gave me options with detailed... read more

  • Tony F. Avatar
    Tony F.
    10/03/2019 - Google

    The last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could not have been in better hands, although I wish to... read more

  • Dorian T. Avatar
    Dorian T.
    11/04/2019 - Google

    Like many people before me and probably many more after me I had an insane debt I couldn't handle. Collectors calling my cell phone and even my work. It didn't... read more

  • Indranie W. Avatar
    Indranie W.
    4/24/2018 - Facebook

    I am so satisfied with the service, Benny was amazing he help me and made everything so easy for me.

  • Neem R. Avatar
    Neem R.
    positive review 
    5/05/2019 - Facebook

    Hello every one.I saw comments from people who already got their loans from pure heart loans and then I decided to apply under there recommendations and just few hours ago... read more

  • Alexey D. Avatar
    Alexey D.
    11/03/2019 - Google

    Great service! Nicholas explained everything in detail and made the experience very easy. Thank you for the help! Highly recommend.

  • Jonathon R. Avatar
    Jonathon R.
    9/09/2019 - Google

    I was feeling trapped in my own dept, and looking for a solution. Hoyes, Michalos & Associates made the change from overwhelming to a breath of relief for me. I... read more

  • Catherine W. Avatar
    Catherine W.
    9/29/2019 - Google

    Professional kind understanding and makes you feel important. They understand and do not judge. This firm explains the process so you understand what is to be expected. Your questions are... read more


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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  • CBC News Network
  • The National
  • Business News Network
  • CTV News
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