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
F A.
7/08/2019
Recently had some major issues with CRA that really impacted my ability to continue paying my bills. After months of trying to resolve them without any progress I decided to reach out to Hoyes, Michalos & Associates for some advice. Honestly, going through this is very stressful, but I was fortunate enough to meet Benny Mendlowitz at Hoyes who took me through my options and what Hoyes can do to help me to resolve my difficult financial circumstances. From the very beginning Benny made me feel comfortable and listened to my situation, provided me with options and solutions that where realistic to my situation and never judged my situation. I'm so relieved that the consumer proposal was filed and accepted and would recommend Benny & Hoyes to anyone who is in a tough financial situation. They are professional, experienced and look out for their clients which is really important.
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Kathleen T.
11/29/2022
I worked with Maureen and Brennan and they were both really good at putting my mind at ease. Filing a proposal was nerve-wracking, but they taught me a lot of things to help me shift my mindset about debt and proposals. Thank you so much for helping me start a new chapter of my life.
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Vannessa S.
12/31/2019
Very satisfied with the work Hoyes has done for me... I wouldn't have gone anywhere else...
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Kieran J.
1/11/2024
Maureen provides the highest level of service and customer care in the industry. She's built for this type of work dealing with people at low points and providing them with a clear path to financial freedom.
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Tara
8/13/2025
Kristen was excellent in explaining the process of enduring a consumer proposal, this alleviated my anxiety and was a fast and smooth process
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Michelle D.
9/06/2022
Wonderful organization, with educated, supportive, non-judgmental people who truly want to help you.
I am very grateful for your help Joel, and ongoing support Heather & head office team!!!
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R E.
5/19/2021
I got a hold of Hoyes, Michalos, and associates by chance, and am quite happy with the result. My trustee was Benny M, straight to the heart of the issue and worked with me to resolve the problem. The staff were great over the course of my time as a client as well. Whether I called in for creditors, income summary, taxes, they were always very responsive and concise in resolving the issue. The whole process was smooth and I have no regrets. I would highly recommend. A+++.
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Daniel S.
8/20/2021
I was in a tough financial position, and found myself searching for relief, i came across Hoyes page a few times, the reviews were great but i didnt know what to expect. I decided to give it a shot, I spoke to Benny who dealt with my case through out. The experience was painless and it was a breath of fresh air. Benny provided detailed information and walked me through the whole procedure. about 6 months in now, and i have a huge, HUGE load lifted off my back and i can rebuild my iife again. Thank you for your assistance.
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Shana S.
3/05/2024
I can not thank enough Hoyes & associates for all there help during my difficult time! I can finally breathe and a special thank you to Benny :) He is patient , understanding and trustworthy… Thanks again Benny and Hoyes associates I really do appreciate it !
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Shawn G.
1/20/2025
Amazing to deal with.Very helpful and knowledgeable. Extremely friendly staff. Made a difficult experience seem so much better... Thanks
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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.