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
LINDA P.
6/23/2020
My experience with this company is the best by far. Not only do they know their line of business their compassion towards their clients is very refreshing in today's society.
The staff at this location are knowledgeable, understanding, very kind and patient. Not only do they help you through the process, they actually listen to you a rarity in today's businesses. I am truly grateful that I found them in a timely manner.
I have had nothing but a positive experience here. Windsor staff I applaud you and the lengths you go to create ease when dealing with clients.
Linda
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Gordon N.
9/12/2018
Professional, helpful and excellent service to receive the help that I needed.
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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!
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Felicia
1/17/2025
Jennifer Kwon was extremely helpful throughout my whole process. I really appreciate her patients, understanding and willingness to help and answer all my questions. she made the process easier. I'm really glade I went through with Hoyes, Michael's & Associates.
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Carly B.
12/16/2020
This place seriously gave me my life back. A massive weight has been lifted off of my shoulders since going through with my consumer proposal. Scott is really professional, helpful and easy to talk to!
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Amanda M.
2/08/2021
It has been an absolute pleasure working with Hoyes, Michalos & Associates! Howard was very informative during our meeting and was able to help me 100% with honesty and explained everything so I understood fully before signing anything, and Patty has been amazing at helping with questions that are probably really silly for most people and teaching me all the extra little things that I didn’t have before. Thank you so much for helping me get back on track and work towards goals I didn’t realize where possible!!
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Azaria K.
3/20/2021
Jason and the entire Hoyes team have been of tremendous help for rebuilding my credit. The process from the start was seamless and before I knew it I am nearing the end of my journey with them.
I’m incredibly grateful and forever are indebted to their professionalism and astute attention to any of my questions or concerns.
I highly recommend Hoyes if you want to rebuild your credit.
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Alexey D.
11/03/2019
Great service! Nicholas explained everything in detail and made the experience very easy. Thank you for the help! Highly recommend.
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susan c.
3/17/2020
I just want to say how happy I was to work with Angela, Rebecca and Tina at the Windsor branch. They not only were professional with every interaction I had with them, they treated me with dignity and respect right from the time I walked through the door. I went in feeling very over whelmed and left with hope my future would be way less stressful. Thanks girls for all the help you gave mentally and emotionally it was well worth the work. You will not be disappointed by choosing Hoyes, Michalos and Associates.
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Shane M.
3/22/2024
Having to declare bankruptcy was a personal and business disaster for me and something I never dreamed I would have to do. But when I met with Scott Terrio of Hoyes, Michalos & Associates, he made it a calming and easy process. He took the time to meet with me personally, took a real interest in my predicament, and eased me into the process in a seamless, professional manner. If you have to go through the pain of bankruptcy, Hoyes, Michalos & Associates makes it not only bearable, but simple. I would highly recommend this company to anyone who must undergo a bankruptcy. They will have your back from beginning to end, and can put your life back on track again.
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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.
