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

Licensed Insolvency Trustees & Credit Counsellors
Consumer Proposal · Bankruptcy · Debt Relief
Offices Across Ontario & the GTA

Book a Free No-Obligation Consultation

Hoyes Michalos has helped over 200,000 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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We help you get out of debt

Credit Card Debt

Barely making your minimum payments? Juggling multiple credit cards? We can help you consolidate your credit card debts into one reduced monthly payment.

Payday Loans

Payday loans cause financial stress because the interest accumulates faster than you can pay it off. We help you break the payday loan cycle.

Tax Debt Relief

Canada Revenue Agency will settle taxes through a Consumer Proposal. We can help negotiate a reduction in your tax debt liability and create an affordable payment plan.

Resolve Student Loans

If you have been out of school for 7 years, your government student loans can be discharged. We help you get relief from long term student debt.

Loans and Overdue Bills

Paying high interest on your bank loans? Behind on bill payments? We can stop collection calls, wage garnishments and lower your monthly payments.

Book a Free Consult

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

WHAT OUR CLIENTS SAY ABOUT US

SUNIL S.

4/09/2022

My experience with Jason Quinney was great, he saved me drowning in debt problems. I will always be grateful for these great people. Thank you Jason.
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Elinor H.

3/07/2023

Very happy dealing with Hoyes, Michalos & Associates. Billy Martel at the Burlington office of HM&A got me back on the right track and I'm glad to say it's all good now. Mr. Martel was kind, professional, understanding, and extremely helpful. He explained all my options and based on that I chose the best path forward. So glad I went to Hoyes, Michalos & Associates - highly recommend them!
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Rob T.

11/21/2022

Very nice company Joel was very helpful with my proposal and made easy and simple to understand everything. Recommend for anybody should use them
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Ashley G.

5/22/2024

I highly recommend anyone looking for help go pay off debts to contact Hoyes, Michalos & Associates! They are amazingly kind and fast to respond and very thoughtful. They really do care and make sure you understand exactly what is going on. 10/10
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Chris S.

11/23/2022

Like many people in today's society, I have had the unfortunate experience of having to deal with overwhelming debt. I cannot speak highly enough of Brian M. and his Team. Not only are they thorough and detailed in their work, but they are also very understanding and empathetic when it comes to dealing with the overwhelming stressors at the beginning of all the processes. I have friends who have been through similar situations using other competitors with debit management, and all I heard were horror stories of dishonesty, misinformation and being humiliated and made to feel like scum. Clearly Brian and his team take a much better and clearly different approach. Thank you Brian and Team.
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Russell

6/16/2022

If you're someone considering a consumer proposal or bankruptcy, I definitely recommend Hoyes as a good place to go for information and help regarding that issue. Everyone I have talked to has been super helpful in educating me. If you're not sure what to do, just ask to speak to someone. They are wonderful people. Thank you to Janette, Benny and Brennan. I appreciate all their help, and what Hoyes, Michalos & Associates is here for.

EDIT: 2022-06-16. I have now officially finished my personal bankruptcy, and everything above still applies. Talk to them, let them know what is going on. I know what it's like to want to avoid phone calls and talking about your finances. They're here to help. It's a process that feels long, but it'll be finished before you know it. Do not be afraid to ask questions either, they are smart, kind people who understand the issues we face regarding personal finance. They are on your side.

Thank you guys, I appreciate everything.
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nicole b.

7/02/2022

My experience with Hoyes, Michalos has been nothing short of amazing. With specific thanks to Jason Quinney. Every step has been explained perfectly, leaving any questions I may have had answered before I asked. Everything has been straightforward and easy to understand. I highly recommend Hoyes, Michalos & Associates. Thank you so much.
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Andrea L.

11/03/2023

I'm so thankful to Benny for helping me settle my debts and get a new start. I was so stressed by calls and emails. Benny helped me start the process right away and was very patient and supportive. I highly recommend him. He's been so helpful and patient all through. I can't wait for the time that I will be financially stable. Thank you so much.
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C S.

2/09/2021

I was nervous getting advice for my finances, but everything was smooth and pleasant! I really had nothing to be nervous about, and the staff are very open and made me feel very confortable.
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Gregory B.

3/13/2024

Absolutely awesome place. So extremely helpful. Kristen was very kind and such a joy to talk with. Thanks for the help
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Get In Touch With A Trustee

WE EXPLAIN ALL YOUR OPTIONS

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

Consumer Proposal

A consumer proposal is a deal you make with your creditors to settle your debt for less than you owe. You can reduce your monthly payments by up to 80%. A proposal allows you to keep your home, car and tax refunds.

Learn More About Consumer Proposal

Personal Bankruptcy

Bankruptcy is a legal process where a debtor who cannot repay their debts can be discharged from their obligation to pay back those debts. Bankruptcy can stop collection calls and give you a fresh financial start.

Learn More About Personal Bankruptcy

Debt Relief Solutions

Our Licensed Insolvency Trustees can help you find the best way to eliminate your debt, stop collection calls, stop wage garnishment, and make your payments more affordable. We can help you avoid bankruptcy.

Learn More About Debt Relief