Debt Relief Experts
Meet Our Debt Relief Experts
Hoyes Michalos was founded in 1999 because Ted and I wanted to create a firm that placed an emphasis on helping individuals solve their financial problems. Our practice is to spend as much time with you as you need to help you develop a plan to deal with your debts. We want to find the best solution for you, and your family.
J. Douglas Hoyes
J. Douglas Hoyes
BA, CA, CPA, CIRP, CBV, LIT
Doug is our co-founder and is a Licensed Insolvency Trustee, certified Insolvency Counsellor and Chartered Professional Accountant. He also meets with clients in our Toronto Downtown location.
Read full bio »Ted Michalos
BAS, CPA, LIT
Ted is our co-founder and is a Chartered Professional Accountant, certified Insolvency Counsellor, Licensed Insolvency Trustee, Consumer Proposal Administrator, and the President of Hoyes, Michalos & Associates Inc. Ted meets personally with clients in our Guelph, Niagara Falls, and St. Catharines offices.
Read full bio »Our Licensed Insolvency Trustees
Find a Hoyes Michalos Trustee Near You
Mark Borysiak
BBA, CIRP, LIT
Mark Borysiak is a Licensed Insolvency Trustee and Consumer Proposal Administrator, helping individuals achieve financial freedom in our Barrie and Toronto Downtown locations.
Read full bio »Howard Hayes
BTEC, CIRP, LIT
Howard Hayes is our Licensed Insolvency Trustee and Consumer Proposal Administrator in charge of our Brantford and Cambridge locations.
Read full bio »J. Douglas Hoyes
BA, CA, CPA, CIRP, CBV, LIT
Doug is our co-founder and is a Licensed Insolvency Trustee, certified Insolvency Counsellor and Chartered Professional Accountant. He also meets with clients in our Toronto Downtown location.
Read full bio »Jennifer Kwon
BA, LLB, CIRP, LIT
Jennifer is a Licensed Insolvency Trustee and Consumer Proposal Administrator, helping individuals with their debt problems in our Mississauga office.
Read full bio »Billy Martell
BA, LIT
Billy Martell is a Licensed Insolvency Trustee managing our Hamilton and Burlington locations.
Read full bio »Ian Martin
CA, CPA, CIRP, LIT
Ian Martin is a Chartered Professional Accountant, Consumer Proposal Administrator, and Licensed Insolvency Trustee in our Kitchener location.
Read full bio »Rebecca Martyn
CGA, CPA, LIT
Rebecca Martyn is our Licensed Insolvency Trustee managing our Windsor office.
Read full bio »Brian McIlmoyle
B.Sc., CIRP, LIT
Brian McIlmoyle is the Licensed Insolvency Trustee managing our Belleville and Oshawa locations.
Read full bio »Benny Mendlowitz
CPA, CIRP, LIT
Benny Mendlowitz is a Licensed Insolvency Trustee, Consumer Proposal Administrator, and Chartered Professional Accountant. Benny meets with clients in our North York office.
Read full bio »Ted Michalos
BAS, CPA, LIT
Ted is our co-founder and is a Chartered Professional Accountant, certified Insolvency Counsellor, Licensed Insolvency Trustee, Consumer Proposal Administrator, and the President of Hoyes, Michalos & Associates Inc. Ted meets personally with clients in our Guelph, Niagara Falls, and St. Catharines offices.
Read full bio »Brett Nicholson
BA, MBA, CIRP, LIT
Brett Nicholson is a Licensed Insolvency Trustee and Consumer Proposal Administrator. Brett meets with clients in our Vaughan and Toronto Etobicoke offices.
Read full bio »Maureen Parent
BA, LIT
Maureen Parent is a Licensed Insolvency Trustee and Consumer Proposal Administrator. Maureen helps clients at our Ottawa and Kanata locations and would love to discuss your situation via telephone or email.
Read full bio »Jason Quinney
CIRP, LIT
Jason Quinney is a Licensed Insolvency Trustee and Consumer Proposal Administrator. Jason meets with clients dealing with financial problems in our Brampton office.
Read full bio »Joel Sandwith
BA, LIT
Joel Sandwith is a Licensed Insolvency Trustee, Consumer Proposal Administrator and experienced Credit Counsellor managing our London office.
Read full bio »Scott Schaefer
CA, CPA, CIRP, LIT
Scott Schaefer is a Chartered Professional Accountant, Licensed Insolvency Trustee and Consumer Proposal Administrator working out of our Kitchener office.
Read full bio »Sandra Sykora
B.Comm, CIRP, LIT
Sandra Sykora is a Licensed Insolvency Trustee helping people from our Toronto-Yonge & Bloor office.
Read full bio »Nicholas To
CPA, CIRP, LIT
Nicholas To is a Chartered Insolvency & Restructuring Professional, Licensed Insolvency Trustee and Consumer Proposal Administrator. Nicholas manages our Markham and Scarborough locations and would be happy to discuss your situation via telephone or email.
Read full bio »Our Client Service Specialists
Peter Allen
BIA Insolvency Counsellor
Peter is a Client Service Specialist and has helped provide solutions to a wide range of clients over the years. He meets with clients in our Hamilton, and Burlington offices.
Read full bio »Heather Cudmore
BIA Insolvency Counsellor
Heather is a Certified Credit Counsellor with over 20 years of experience. Heather works out of our London office.
Read full bio »Charlie Kovacs
BIA Insolvency Counsellor
Charlie is a Certified Credit Counsellor who has worked for Hoyes Michalos since 2020. He started working in the Hoyes Michalos London location and now works in the Kitchener office.
Read full bio »Kristen Kral
BIA Insolvency Counsellor
Kristen is a Certified Credit Counsellor and Client Service Specialist who has worked for Hoyes Michalos since 2005 out of our Brantford location. Kristen started her insolvency career working at our head office for several years before transitioning into her current role.
Read full bio »Janette Martin
BIA Insolvency Counsellor
Janette Martin is a Certified Credit Counsellor and Client Service Specialist. Janette meets with people in our North York office.
Read full bio »Cyndi Michalos-Baker
Client Service Representative
Cyndi Michalos-Baker, certified Credit Counsellor and Client Service Specialist helps our clients explore their options to find the right solution to their debt problems.
Read full bio »Meg Penstone
BIA Insolvency Counsellor
Meg has over 20 years of experience working with individuals and couples experiencing financial difficulty. She primarily works out of our Guelph office.
Read full bio »Shelly Ann Redhead
BIA Insolvency Counsellor
Shelly Ann Redhead is a Coordinator and Client Service Representative helping clients at our Toronto Downtown office.
Read full bio »Natasha Richards
BIA Insolvency Counsellor
Natasha is a Certified Credit Counsellor assisting individuals in our Brampton office.
Read full bio »Anne Romano
BIA Insolvency Counsellor
Anne is a Certified Credit Counsellor and Client Service Specialist with over twelve years of experience in insolvency. Anne works out of our Belleville and Oshawa locations.
Read full bio »Scott Terrio
MANAGER, CONSUMER INSOLVENCY
In his eight years working in the insolvency industry, Scott Terrio has met with and filed thousands of clients, primarily consumers. He works from our Toronto Yonge & Bloor location.
Read full bio »Brennan Thompson
BIA Insolvency Counsellor
Brennan is a Certified Credit Counsellor and Client Service Specialist. He helps our clients facing financial trouble out of our Ottawa office. He would be delighted to meet with you about your financial situation.
Read full bio »