Hoyes, Michalos & Associates is a debt management firm that helps Ontario residents develop a plan to become debt free. Financial problems can happen to anyone, And they can be stressful for you and your family. Our federally licensed bankruptcy trustees can help you deal with credit card debt, student loans, bank loans, and tax debts. We are accredited by the BBB, and have helped over 40,000 Ontario residents get out of debt by considering bankruptcy or a consumer proposal. Hoyes, Michalos – giving you a fresh start for more than 16 years.