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
Maria S.
6/07/2021
Brett and Maryia from Hoyes and Michalos have helped assist me in starting a new life debt free. They are so helpful and kind. They are like family and I appreciate all their support.
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Jennifer R.
9/21/2020
This has been far the best service!!! Dealing with ones dept is never an easy process; it’s scary, you can feel like you’re trapped BUT you’re not!! These folks are here to help! Please reach out!! Their compassion and empathy is top notch...not once did I ever feel that I was less of a person. My only mistake...not seeking help sooner. I promise you folks: be honest and open...THESE FOLKS WILL HELP YOU! Thank you Howard and your team! Great job!!
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Shazia S.
7/14/2021
When I first contacted Hoyes Michalos ,I was scared and unsure of what to do with my finance as my life had change quite a lot in pandemic.When I spoke to Howard a month ago ,he explained to me what my opinions were.It was my decision and he fully supported my decision. Today I had my first counselling with Patty and the relief I felt at the end of our appointment was amazing.
All of the team reply to emails so promptly with satisfying answers as if they are texting you back.Everything fells into place and I’m grateful to meet Howard and Patty and thought of taking few minutes to appreciate their excellent service. Second counseling was great too .
Thank you Patty and Howard.
Shazia .
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Carine C.
8/25/2022
Facing financial hardship wasn't easy for me, especially during the pandemic and losing a job. It took time for me to actually look for help and finally I found Hoyes, Michalos & Associates. I would like to thank you Benny and the team for putting me at ease during the process of my consumer proposal. Without Benny's help, I wouldn't be able to move forward in my daily life and stress out with all the creditor's calls. I would highly recommend anyone who is facing difficulties in debt reach out to Benny and the team for better financial advice and they will help you through this process until the end. Thank you Benny for the time and patience.
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T. G.
8/01/2024
Billy at hoyes was able help me pay back my debt on my terms without crazy interest rated and insane minimum payments.. thank you Billy. I have felt a great deal of relief
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Claudette M.
10/09/2020
I would like to say that dealing with Hoyes, Michalos & Associates with all my needs to help with financials was awesome. they were all very respectful of myself and they most certainly did make it very easy to understand everything i was going through. I definitely would recommend them to anyone. Very happy with my outcome. :) :) :)
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Lee W.
3/24/2022
What a great experience I was in contact with Ian and alls I can say is he was amazing person to deal the hole team was absolutely great
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Ron D.
9/27/2021
The whole process through Hoyes has been great. I’ve been supported at every turn and Jeff is one of the most professional people I can think of. Highly recommend!
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Jerome D.
9/02/2021
Absolutely impressed with the service and counseling offered here at Hoyes, Michalos & Associates thanks to Howard getting me started. Patricia offered great alternatives with her counseling to get myself back on track with my budget and future plans as well. These wonderful folks here at Hoyes care about you. And that's how I feel when dealing with them. I would highly recommend them, especially if you feel like you have no where else to turn to for help.
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G T.
2/09/2021
Great professionalism and service. They have been very helpful and humane every step of the process which has made a big difference for me dealing with a stressful situation in already chaotic times. Special thanks to my trustee for all his excellent work.
Edit (Feb 09 2021)__ I must say thank You to the people at this organization that I have had contact with through my process. It is often difficult to find good human beings that do a great job and go beyond duty just because they want and because they are good people.
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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.
