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
Vio G.
4/14/2026
An incredibly helpful team—open, understanding, and always knowing exactly how to guide you through difficult times. Speaking with them, you experience a rare blend of professionalism and genuine humanity, leaving nothing unclear.
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Robert M.
10/18/2022
After years of feeling beaten down and taken advantage of I finally got a desperately needed break. Scott took so much weight off my shoulders I feel like I might actually have a shot at recovering my life now. He’s refreshingly honest and truly helpful. I couldn’t be more grateful and strongly recommend his services.
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Bshd C.
12/07/2024
Billy is very efficient, he has explained every detail of the process step by step. It has been a pleasure working with him...
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Lori C.
8/11/2020
Excellent service and very professional !
I was scared and apprehensive, the team at Hoyes Michalos put my mind at ease and walked me through each step. Thank you all so much and a huge thank you to Brennan !
I Truly recommend Hoyes Michalos
Hands down!
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Jonah
10/15/2024
Hoyes, Michalos & Associates and specially Maureen was kind, helpful and very knowledgeable. Maureen assisted me with my Consumer Proposal. My Consumer Proposal is now paid off and I am closer to getting financial security back. I would recommend Hoyes, Michalos & Associates to anyone.
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W B.
5/25/2022
What can be said. What seemed so daunting turned out to be a miracle solution in the form of a Consumer Proposal. Jason was a champ, being completely non-judgmental and confident. Do not hesitate to call them if the pressure is mounting. You'll be forever grateful you did. 5☆
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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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Loren C.
4/21/2021
I had Rebecca Martyn working to help me with my financial situation and she was amazing. She was kind and understanding and really helped me feel at ease with my situation.
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Nino G.
9/15/2020
Benny and his team did a Awesome work on my proposal I am Greatful for your support. And now I'm stress free I encourage anyone to seek help if you are financial trouble with your debt there's nothing to lose and remember there's always hope once again Thank you so much Hoyes Michalos & Associates Inc.
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Efrain B.
8/31/2019
Excellent and professional!!! They make you feel up right and very good, in the whole process! I recommend them 100%⭐⭐⭐⭐⭐⭐ Six stars!
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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.
