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
Ron D.
9/27/2021
The whole process through Hoyes has been great. I’ve been supported at every turn and Jeff is one of the most professional people I can think of. Highly recommend!
read moreread less
Patrick M.
2/27/2025
Billy was very helpful kind and since made me feel very comfortable Would recommend anybody to go see him if in the same situation I’m in. He gives me hope again thank you so much for what you do. I really appreciate everything you did for me.
read moreread less
Mark K.
1/21/2020
I was in a bind and I really didn't know what to do. A friend told me about Hoyes. I made a call and went for a meeting with Jeff. He explained everything to me and basically left it to me to decide. I decided to go with his proposal and it has really eased the burden of all of those payments I was buried under. Thank you Jeff and everyone at Hoyes Niagara! I feel like I am on the right track now.
read moreread less
Iman A.
5/16/2022
Hoyes has the most professional team. They were always clear in their communication and ready to answer my questions. They did not push me to file for bankruptcy and allowed me to do so at my own time and pace. I would recommend Hoyes to anyone who wants to resolve their financial trouble in the least stressful way possible.
read moreread less
Vic S.
4/01/2024
My experience has been wonderful. Kristen has been wonderful to deal with!
and she was amazing. She went over and beyond to help me in my situation. As well as bringing to my attention the other options .
Hoyes and Michalos saved me
now I can breathe!
read moreread less
Jeremy F.
3/01/2022
Jason @ hoyesbrampton gave us the best advice possible to help us get out of our financial predicament. Would highly recommend.
read moreread less
Candy E.
3/07/2020
I give Hoyes Michalos & Associates a big thumbs up!! The trustee was quick to respond to my phone calls. Our initial meeting was quite pleasant and educational. I left their office feeling like a huge weight had been lifted off of my shoulders and that everything was NOW going to be okay. Patty was my favorite!!! I definitely recommend that if you are drowning in debt that you give Hoyes a call. Don’t wait!!!
read moreread less
Steve F.
9/19/2020
Great experience dealing with Jason Quinney and his team at the Brampton location. Would recommend 100%. I thank them for helping get a weight off my chest and for a fresh start!
read moreread less
Finn D.
1/30/2023
Howard was friendly,accommodating and knowledgeable throughout the process
He made a complicated process easy and informative
I would heartily recommend him to anyone going through this process 100 percent
Thanks Howard
read moreread less
Dana H.
11/09/2023
Hoyes, Michalos & Associates helped me navigate my personal finances in a way the left me feeling in control and like I made the best decision for me. The process was quick and easy and they were always available for the many questions I had along the way.
A special thank you to Jason for making this process as uncomplicated as possible.
read moreread less
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.
