Why Choose Hoyes Michalos? Since we opened our doors in 1999 we have helped over 40,000 residents of Ontario become debt free. Hoyes, Michalos & Associates Inc. was founded by Douglas Hoyes and Ted Michalos for one simple reason: to give you a fresh start. At Hoyes Michalos you will meet with an expert licensed by the government of Canada with many years’ experience, in one of our conveniently located offices. Give us 30 minutes, and we will show you how to become debt free. 1-866-747-0660. Stop collection calls Stop legal action Stop wage garnishments (even if they have already started) Eliminate your debt At Hoyes Michalos you are guaranteed respect, confidentiality and custom tailored expert advice. Our team has a proven track record. In fact, 99% of all consumer proposals we file are accepted by the creditors and a significant percentage of our clients come to us referred from satisfied clients. Connect with one of our dedicated and professional team members today. more... See more text