About Us

Doug Hoyes Bankruptcy Trustee

We provide bankruptcy services to Cambridge residents from our office in Cambridge.  The trustee for the office is Douglas Hoyes, a chartered accountant, and a co-founder of Hoyes Michalos & Associates Inc.

Working with Doug is Estate Manager, Howard Hayes and client service specialist Danielle Ratford.  Howard has many years experience in helping people and companies in financial difficulty.  He’ll will make sure you understand all of your options, and help you gather all necessary information to file a proposal or bankruptcy if necessary.

Danielle Ratford is a qualified credit counsellor and experienced Estate Administrator, and Gaye Skanes is our Receptionist.  Between us, you’ll usually be able to reach one of us in the office Monday to Friday 8am to 6pm.

If you are experiencing financial problems and want to explore your options, Doug, Howard or Danielle will meet with you to review your options and help you create a plan of action.

Howard Hayes Client Service Specialist

Danielle Ratford Client Service Specialist

Doug, Howard & Danielle and everyone in the Cambridge office works together as a team so that we are all familiar with your situation.

In our bankruptcy office in Cambridge, all Cambridge and area clients are guaranteed the highest level of personal attention.

Doug, Howard & Danielle will not make the decision for you. We will explain how a bankruptcy would work in your situation, but he will also explain consumer proposals, debt consolidation loans, and other options. Once you understand the advantages and disadvantages of each option, you can then decide which option will work best for you.

Please call us during the week, for proposal and bankruptcy services in Cambridge, at (519) 622-3773. One of our associates will take down some basic information from you, and let you know what you need to bring to your meeting with Doug, Howard or Danielle so we can get started. Or, if you prefer, e-mail your questions to Doug, Howard or Danielle in our bankruptcy office in Cambridge – we will be happy to help you.