GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE
Licensed Insolvency Trustees
Government Approved Debt Relief
Offices Across Ontario
We understand debt stress
Let our experienced team guide you toward real relief.
Since 1999, we’ve helped over 200,000 Canadians eliminate debt stress. Whether it’s credit cards, tax debt, or overdue bills, we’re here to guide you with genuine empathy and proven expertise.
✅ Friendly & Professional
✅ Zero Upfront Fees
✅ 99% Consumer Proposal Acceptance Rate
✅ Licensed & Certified
We explain ALL your debt relief options
No matter the financial difficulties you’re facing, Hoyes Michalos’ friendly trustees will help you get back on track.
Consumer Proposal
A deal to reduce your debt by up to 80% and keep your assets. No interest on your monthly payments.
Our licensed professionals will help you explore your debt relief options.
What our clients say
Aisha B.
6/06/2023
This office helped me in ways I could not have imagined. I had reached out to them to bounce off a question I had about managing debt. Ian listened to my question and then he asked about my full situation, he listened through it all. Ian provided me with an answer to my question as well as some provided me with some options that I did not even know existed. Because of his recommendations I decided to go a different route in managing my debt than what I had originally intended to do, which was amazing! Not only was the process simple it was also seamless. The stress and pressures are now off my shoulders and I can actually start to live life with possibility and hope. Hoyes Michalos stepped in and stepped up to help me on my journey of becoming debt free. If I could, I would give them 10 stars for amazing service, great options, and the added support I needed.
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DERICK L.
6/18/2022
I was pretty worried about my credit when I found an ad for Michael, Hoyes and Associates. I called them and they were more than willing and able to help. Thanks to Jason and the rest of the team for helping me get out of debt.
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Nadia M.
7/10/2020
I reached out to the branch 7 years after I concluded my proposal with them. Krista was amazing at getting me the information I needed. Her response was immediate and incredibly helpful. I would not hesitate to recommend them to anyone who is in need of their services.
Thank you!!!
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Jorge '.
8/18/2022
My experience with this company has been top knotch. I highly recommend using their services if you feel like this is the best option you have.
The pandemic really took a toll on my life financially so I needed to get myself out of a deep hole. I am glad that I found this company after doing extensive research.
Jason Quinney has helped me out a great deal and has been nothing but professional. Ask for him if you need any help taking care of your finances.
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Prabhath A.
6/17/2024
Benny was amazing with me and answered all my questions with a lot of patience and most importantly got the job done. If you're wondering whether this is the right place for you, I'd say give them a call and you'll have a great experience.
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F C.
7/24/2021
My life changed for the better! All thanks to Rebecca and Tina who helped me through my anxiety and stress I had about my Proposal. Hoyes, Michalos &Association answered all of my questions and never made me feel ashamed about my debt. They truly care and look out for your best interests. If you are contemplating about this decision I would highly recommend making an appointment and just meet them for yourself. You won't regret it !
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The T.
2/27/2023
Great team & practical advice really helps to make a change with debt management. Very prompt service. Billy and Heather are first class in terms of treating customers and helping you resolve your sutuation. Highly recommended!
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Susan G.
7/05/2025
Not all trustees are created equal and Billy is one of a kind. He’s a Godsend; he makes you feel human again and hopeful. I could not thank him enough how he made things easy for me.
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Linda p.
5/25/2022
I cannot express deeply enough how much I appreciated the help of the Barrie office of Homes, Michelos & Associates during my difficult financial times.
They walked me through my options and helped me decide how to deal with my problems in a manageable way.
I am now proudly out of debt, staying current with all my bills and also putting a little bit away in savings regularly.
Thanks so much !!!!
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Faisal E.
5/01/2023
Mr. Benny is truly an angel. After Covid I was in a tough financial position. Frantically looking for a relief, I contacted HOYES and instantly started working for a plan with Mr. Benny.
The company and people are truly professionals with lots of knowledge. They love to help and take stress away from your shoulders.
I highly recommend for whom are in need of the best service and result oriented. Thanks you once again for finding the best solution for me.
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We help you get out of debt
We can help you eliminate most types of unsecured debts, including:
credit card debt
payday loans
tax debt
loans and overdue bills
student debt
Need debt relief help?
Arrange a free consultation in any of our locations accross Ontario today.