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
Hoyes, Michalos & Associates Inc. Licensed Insolvency Trustees for Consumer Proposal, Personal Bankruptcy and Debt Relief in Ontario
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 binding deal to settle your debt for less than you owe. You can reduce debts up to 80% and keep your home, car and tax refunds. No interest on your monthly payments.
Our Licensed Insolvency Trustees explain all your options — including debt consolidation, credit counselling and debt settlement — and help you avoid bankruptcy where possible.
Our licensed professionals will help you explore your debt relief options.
What our clients say
Candra P.
12/22/2020
My experience with Hoyes, Michalos & Associates has been exceptionally pleasant and educational! I felt no judgement from the first phone call right up t proposal drafting , to proposal acceptance and beyond! I’ve really enjoyed the Debt Free In 30 on YouTube as well. Really changing my relationship and way of thinking about money, finances and how I manage them! Very happy I took the first step and contacted the team!
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Vinny C.
2/01/2024
This is the second time I've used their services to help me with my debt. First in 2010 and now more recently. Both times have been pleasant and friendly experiences. I highly recommend them for your debt needs
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Ken S.
5/03/2024
Hoyes, Michalos & Associates are fantastic. They've given me great peace of mind in helping me deal with my finances. They are kind, compassionate and nonjudgemental. I highly recommend.
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Savas C.
11/19/2022
Jason has been nothing but helpful during some of our toughest time. He was very clear with the process and provided support through the entire process. I highly recommend Hoyes, Michalos & Associates for a fresh start.
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Tom S.
2/25/2022
I was drowning in debt 3.5 years ago. Hoyes, Michalos & Associates - Consumer Proposal helped me clear almost 15k worth of debt. Jamie was wonderful to speak to all the time, and was very responsive whenever I had a question.
Today, I'm investing in my RRSPs, and have no debt! Thank you so much!
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John B.
4/15/2024
thank you Peter Allen for helping me with my consumer purposal. He is very informative and understanding made me feel like I was safe and in good hands also immediately helped to take a freeze off my bank account. Now that my purposal has been accepted I am now on my way to debt freedom with low monthly payments I would strongly recommend this company to anyone needing a bankruptcy or consumer purposal or even consolidation they are very professional and down to earth and treat you like a person not just a client thanks again for helping me!
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J D.
2/17/2021
Great place to help you get back on Track! They were very responsive and helpful. I would recommend them to anyone trying to get themselves out of a financial burden.
The relief i felt with their assistance was life changing.
Thank you Nicholas, Diana and whole team!
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Tony H.
8/04/2021
I reached out to Hoyes, Michalos & Associates through the recommendation of a friend, and it was the best decision I could've made. They, and particularly my main contact Scott, have been incredibly helpful, supportive and understanding throughout this challenging financial situation. I'm grateful for their guidance and support and would not hesitate to recommend them to anyone.
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Amber L.
9/09/2019
Amazing experience! I would definitely recommend checking out your options here.
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Gina M.
11/20/2024
Working with Brett Nicholson of Hoyes Michalos was such a positive experience—it felt like a huge weight was lifted off my shoulders. From the very first meeting, they were understanding, supportive, and never made me feel judged about my situation.
They walked me through everything step by step and made sure I understood all my options. What I really appreciated was how approachable and transparent they were. Anytime I had a question (and I had a lot!), they took the time to explain things in a way that actually made sense.
Thanks to their help, I feel like I’ve finally got my finances back on track, and it’s such a relief. If you’re feeling overwhelmed and need some guidance, I can’t recommend Brett @ Hoyes Michalos enough. They really do care and want to help.
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We help you get out of debt
We can help eliminate most types of unsecured debt including credit cards, payday loans, tax debt, student loans, overdue bills and stop collection problems that come with them.
Canada Revenue Agency can settle tax debt through a consumer proposal. We can help negotiate a reduction in your tax debt liability and create an affordable payment plan.
