Hoyes, Michalos & Associates Inc. was founded in 1999 by bankruptcy tru stee Douglas Hoyes and trustee in bankruptcy Ted Michalos to provide customer-tailored 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. Hoyes Michalos helps you develop a plan to deal with your debt. We guarantee professional, respectful, custom tailored expert advice. Give us 30 minutes and we'll give you a plan to be debt free. Since we opened our doors in 1999 we have helped over 40,000 residents of Ontario become debt free. We are bankruptcy trustees, licensed by the federal government to: 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. more... See more text