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168飞艇官方开奖历史记录查询官网 168极速赛车开奖记录查询「飞艇开奖官网结果查询」幸运飞行艇历史开奖结果 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

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幸运飞行艇官方开奖记录-开奖历史记录查询-幸运飞行艇开奖查询结果 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 幸运飞行艇官方开奖历史记录-168结果号码查询-幸运168飞艇开奖记录查询结果

Carrie M.

12/06/2022

I contacted 幸运飞行艇官方开奖记录-开奖历史记录查询-幸运飞行艇开奖查询结果 Hoyes Michalos after years of trying to deal with debts and feeling like I couldn't keep my head above water. I received a reply to my inquiry very quickly and began working with Scott. He has been so helpful in explaining all options and helping me find one that works for my situation. He has continued to be a huge help, always answering questions and responding quickly to any emails or calls. I will highly recommend 幸运飞行艇官方开奖记录-开奖历史记录查询-幸运飞行艇开奖查询结果 Hoyes Michalos and Associates in the future.
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Dixon S.

3/28/2022

Good afternoon it was a pleasure meeting with you lan Martin service was excellent recommend your company to anyone looking to get a fresh start.

Great job keep up the good work
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A G.

9/12/2020

I was hopelessly in debt to the fact that I was having a hard time paying my rent. I expressed interest in getting help with this. Alison called me back and there was a huge load taken off my back. They took care of my debts and showed me how to keep out of the same traps that got me there. Jeff and Alison know their business and helped me get on the right path. Thank you both.
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David M.

11/09/2019

We had a great consultation with Ianina! She gave us hope, gave us a solution, walked us through the next steps and our options. She was extremely empathetic and understanding to our situation and left us feeling better about our future. She was very kind to us and our toddler and was very informative and educated us. We are looking forward to working with this office to help us get out of debt and move forward with our lives. Thank You so much for giving us hope when others were trying to take it all away.
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Reese E.

6/27/2022

I was drowning in debt and absolutely convinced that there was little to no way out of the situation I was in. On the advice of a friend I reached out to Hoyes and was immediately met with patience, understanding and a trust worthiness that I had not experienced anywhere else in this field until that point. Sandra and the team did a fantastic job at easing me into a situation that was both affordable, and efficient for me to tackle my financial issues head on. Would recommend their expertise and service to anyone who needs it.
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Georges F.

8/16/2020

Shannon was great. She was always there to help me along the way to make sure I understood what the consumer proposal was and how it worked. My proposal was accepted and she did a wonderful job. I would recommend Shannon to everyone. Thank you Shannon for everything.
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Laurie

7/07/2021

Everyone has been super helpful, pleasant and easy to speak with. I have felt comfortable and assured through the entire process
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Genalyn Q.

3/05/2024

I have had the pleasure of having Kristen Karl work with me during the whole process of debt consolidation. I was a nervous wreck not really knowing how to start again, Kristen made me feel at ease throughout and ensure that I was informed of every details of every steps that needs to be taken. She even went beyond by helping me check my credit with me and made sure that everything is what it’s supposed be and helped me understand and start on how to do a better budgeting to prevent myself from having the same issue in the future. I 1000% recommend her and HOYES & MICHALOS to anyone who needs help get out of debt.
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Angel613

12/01/2022

Maureen is amazing! So easy to deal with, super friendly and outgoing. I highly recommend this place. Thanks again Maureen for your help. Kim
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Pat S.

10/17/2023

We highly recommend Hoyes, Michalos & Assoc. They are thorough and efficient and made the process so easy. Special thanks to Brett and Charlie who walked us through what was required and kept us up to date along the way and made it painless.
Great people to work with!
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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