Hoyes Michalos is a licensed Debt Relief firm with 20 years' experience helping people get out of debt. As a Licensed Insolvency Trustee, we are accredited by the Canadian government to provide Consumer Proposal, Bankruptcy and Credit Counselling services. Our mission is to give you a fresh financial start and help you rebuild your finances. We give you a plan to become debt free, it's that simple. Our team of professional, accredited debt experts provide caring, confidential, friendly advice that is custom-tailored to your situation.