Hoyes, Michalos and Associates offers a full range of debt relief options from consumer proposals to bankruptcies. Talk to a Licensed Insolvency Trustee to see what your options are and how they can help. Become debt free today! - FREE 30 min Consultation - We Will Give You a Plan to be Debt Free - Always Meet with a Trustee - Not a Sales Clerk - 99% Consumer Proposal Acceptance Get Your Debt Free Plan - www.hoyes.com more... See more text