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
Arthur T.
4/09/2021
Mark was extremely understanding and professional. Made this tough situation that much easier. Was very helpful in making the whole process effortless and was available at all times for questions or inquiries. I would highly recommend Hoyes, Michalos & Associates to everyone. Thanks Mark I greatly appreciate it.
read moreread less
Alyssa H.
8/01/2025
I have been struggling financially for close to 10 years, a friend of my reccomended Hoyes, Michalos & Associates to me, I was a little apprehesive at first, but Brian, Wendy and the team have taken great care of me. I have learned so much and am far less stressed.
Thank you so much!
read moreread less
Angela C.
11/21/2023
Very helpful and great customer service in all aspects. Highly recommended. Billy Martell was our trustee.
read moreread less
Finn D.
1/30/2023
Howard was friendly,accommodating and knowledgeable throughout the process
He made a complicated process easy and informative
I would heartily recommend him to anyone going through this process 100 percent
Thanks Howard
read moreread less
Babar S.
10/02/2024
I spoke to Mr. Douglas Hoyes, he answered all my questions very patiently. He is a thorough professional. I would definitely recommend him and give him five star rating.
read moreread less
V G.
6/04/2024
I was a client with Hoyes through my financial re-set after the pandemic. I have received invaluable financial advise. I am now debt-free, have preserved my credit status, and have developed financial processes that are aligned with my long term goals. Thank you Sandra and team Hoyes~
read moreread less
Edmon
1/24/2024
I was struggling with debt issues and the pressure and stress of being unable to manage my finances. I contacted Hoyes, Michalos & Associates to assist me with this matter, and it was the best decision that I have ever made. Ian, is very knowledgeable, compassionate and understanding, with his expertise he guided me throughout the process with ease, he explained everything clearly and directed me to the right options that were best suited to my situation. I would highly recommend Hoyes, Michalos & Associates and especially Ian, for they are one of the top best companies out there. Thank you Ian for the tremendous support and superb service that you have provided to me and my family, we truly appreciate it.
read moreread less
Miz R.
1/29/2022
Very professional Service. Brett, who I have never met face to face except video conference, took care of everything smoothly. He was always there to answer questions either by phone or by email. He laid out the best options for me which I am really satisfied with. Other staffs were always warm toned and eager to help whenever I had called their office. Legitimate and well reputed business. Definitely five star and highly recommended.
read moreread less
Tricia C.
3/19/2021
I would highly recommend Hoyes Michalas. They always responded to my inquiries in a timely manner, I never felt rushed and they went out of their way to explain all of my options. They provided me with excellent advice and an option which allowed me to get back on track financially and provide security for my family in the long term.
read moreread less
Claire A.
11/28/2022
I'm very grateful they were able to help me with all the debts I had, especially Brett and Janette!!! Incredibly patient, friendly and understanding. I would definitely recommend this company for your financial needs!
read moreread less
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.
