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
fanny o.
4/25/2022
I'm so thankful I met Jason Quinney. He really helped me get out of debt and back on track. Everything was done efficiently and he wasted no time. I recommend anyone who's struggling financially to consider seeking help from him or his colleagues. Thank you Jason for all your help.
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Agnes
11/12/2019
OMG! I don’t know where to start! First of all thank you thank thank you to Benny and Janette and Hoyes Associates for all their help! I couldn’t sleep and also focus with my debt issues until someone referred them to me! They booked an appointment for me to come in right away and requested information. As soon as I provided the information I was called to come in and complete the paper works! To cut the story short I was approved for my proposal. Now I feel so much better. So thank you guys once again for al your help. I give them over 100% recommendation to anyone going through debt issues. So professional and super nice.
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Kristen B.
2/26/2024
Billy made the process so easy and explained everything in great detail. I would highly recommend!
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Anna L.
7/21/2022
I just finished paying off my consumer proposal after 3 years. So happy and relieved and I couldn't do it without you guys taking the stress off me and starting a new life. Thank you for your help. Lots of lessons learned.
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Adrienne L.
9/29/2022
I was recommended Hoyes, Michalos by a good friend who also went through financial difficulties. I had an appointment booked after the first phone call and was connected to Nicholas. He was went over all my options with me and guided me through a consumer proposal with as little stress as possible. Nicholas and the team at Hoyes Michalos we’re always kind, caring and professional whenever I felt with them. I highly recommend them if you’re having financial problems. They will help you get on the right track and take the stress away. Thank you!
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Ken P.
1/18/2022
All was well until I ran into Problems after my employer went bankrupt and I ended up with no job. Ian Martin were fantastic working with me. I thank them for their professionalism and patience through my hard Times.
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DJ P.
4/11/2022
I got excellent help from Hoyes, Michalos with a consumer proposal, which is now completed. This was a huge stress reducer.
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A G.
8/04/2020
If you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain free. Thank you so much for all you have done for me.
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Gherson A.
1/08/2021
Had some trouble these past year and accumulated a lot of debt. As i found myself having a hard time, i stumbled with Hoyes and Michalos. I talked to Joel and he was really responsive, helpful and was great to talk to. He explained pretty much the highs and low of what im applying for. Im really grateful for the help they offered and im glad i went for Hoyes and Michalos. Highly recommended👍👍👍.
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Debbie H.
12/09/2021
Very helpful,not judgemental,very friendly appreciated all there help
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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.