Today we meet with Hoyes, Michalos & Associates Inc., our local trustee in bankruptcy providing debt management advice for individuals who may need to file for bankruptcy or a consumer proposal in Southwestern Ontario.
Douglas Hoyes and Ted Michalos founded Hoyes, Michalos & Associates Inc. in 1999 for one simple purpose: to give you a fresh financial start.
We have helped over 35,000 hard working people in Ontario become debt free since becoming an independent Ontario bankruptcy firm and have provided helpful debt reduction advice to thousands more. Hoyes Michalos is 100% Canadian, owned and managed by founders Ted Michalos and Douglas Hoyes. While we are one of the largest personal insolvency firms in Ontario, we emphasize personal service, and make the following commitment: you will be advised by a licensed bankruptcy trustee in your community.
As an Ontario bankruptcy trustee, Hoyes Michalos is licensed by the federal government. We take pride in our goal of providing every client with personalized, caring service and finding the right debt solution for each and every person who contacts our office. We won’t just talk you into declaring bankruptcy in Ontario. Our local bankruptcy experts will help you explore all solutions to your debt problems. With alternatives to bankruptcy, like filing a consumer proposal, we can help you get out of debt.
An Ontario Bankruptcy Trustee In Your Community
We have grown to become one of the largest bankruptcy trustee firms in Ontario because of one thing – our strong reputation. Over one-third of our clients come from word-of-mouth referrals. With 22 offices throughout Southwestern Ontario, including 7 in the Greater Toronto Area, we have a dedicated team of bankruptcy trustees to meet with you in your community.
When you contact our office for help, you will personally meet with a licensed trustee who will review your situation and explain all of your options. All of our advisors are licensed Ontario bankruptcy trustees, assisted by client service specialists who are qualified insolvency counsellors. We believe that you should always meet with a fully trained and qualified debt expert when considering filing bankruptcy in Ontario. All our experts understand the pressure you feel as a result of dealing with your financial problems. Our goal is to put you at ease by treating you with respect and understanding and to provide expert advice that will help you eliminate your debts so you can start over. We want to ensure you will fully understand all of your options before you make a decision – even if that means you do not need to file bankruptcy or a consumer proposal in Ontario.
You may be married or single, with a large or small family. You may have a good paying job, or you may be looking for work. You may own or rent your house. Your situation is unique. As an experienced Ontario bankruptcy trustee, Hoyes Michalos does not believe in a “cookie cutter” approach. We will work with you to make a plan that’s best for you and your family.
In fact, making a plan is so important, it’s our phone number: 310-PLAN (no area code required, good anywhere in Ontario). Hoyes Michalos has helped over 35,000 residents of Ontario file a consumer proposal or declare bankruptcy, and we can help you deal with your debts.
For a personal, professional, caring solution to your debt problems, contact us as your Ontario bankruptcy trustee today.
CAN YOU LET ME KNOW IF YOU DID A PERSONAL PROPOSAL WILL YOU BE ABLE TO CHANGE IT TO A FULL PERSONAL BANKRUPTCY.THANKS NASIER
If you are unable to make the payments in your consumer proposal, you can file a personal bankruptcy.