Our Philosophy

Hoyes, Michalos & Associates Inc. believes that sometimes bad things happen to good people.

Whether it's a job loss, marital breakdown, medical illness or other problem, financial problems do happen.

At Hoyes, Michalos we don't dwell on the problem. We emphasize solutions.

Our professionals, including our trustee, Norma Yau, will work to give you the fresh start you deserve.

We treat each person as an individual. You are unique, our professionals will take the time to meet with you and review your situation to determine what solution works for you.

We will explain the bankruptcy process, but we will also explain consumer proposals, debt management plans, debt consolidation, and any other options that may apply to your situation.

We will give you time to ask questions, so that you can make an informed decision.

We want to give you a fresh start, so we will meet with you, understand your situation, and then help you make an informed decision.