2549 User Reviews

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.

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Personal Bankruptcy

A legal process to eliminate debts, stop collection calls and give you a fresh start.

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Debt Consolidation

Compare options to combine debts into a single, lower monthly payment.

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Credit Counselling

Professional advice on budgeting, debt management, and more—we're here to give you debt solutions.

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Our licensed professionals will help you explore your debt relief options.

What our clients say

Henry W.

11/29/2021

The whole team at Hoyes in Kitchener is amazing to work with.

I had the pleasure of working with Scott, he explained my options very clearly and honestly.

It was the best financial decision of my life and now i am working to a beautiful future.

If you're in a situation, please don't hesitate to call this office and see what kind of magic they can do for you.

To Scott and the gang at Hoyes, thanks again for everything.
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SUZANNE C.

4/12/2021

I would highly recommend Hoyes, Michalos and Associates to anyone who is struggling financially. They are very professional, respectful and non-judgemental. Right from the start, they explained everything in detail and answered all of my questions thoroughly. Don't hesitate to contact them. You'll be glad you did.
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Patricia M.

1/11/2023

5 star service! The staff in office are always so kind, accommodating and understanding. I have received nothing but quick and efficient responses and it takes the stress off clients. The office/company is lucky to have employees with such impeccable work ethic.
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Amber G.

7/04/2024

Mark is amazing I was so scared to enter a consumer proposal and I didn't know what to expect but mark made it so easy for me and I'm looking forward to being debt free, I would recommend hoyes, Michalos and associates to anyone they are amazing
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Kelsea L.

4/04/2023

I am so grateful I chose Hoyes, Michalos & associates to help me finally become debt free. They made my experience pain and stress free. Every question was answered and Im finally living debt free with a small bi-weekly payment.
I could not be happier with my experience with them!
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Jessica

7/22/2023

I have absolute gratitude for H, M&A. Jason Q at the Brampton is like an angel. This has been an exceptional experience. Professional, efficient, informative and sincere desire to help people that want to help themselves and need a chance like this to begin a meaningful fresh start and actually make progress. This is real and highly recommend. 10 stars. THANK YOU SO SO MUCH!!!!!!!
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Brad K.

11/02/2019

The team at Hoyes, Michalos & Associates are amazing. Would most definitely recommend their services to anyone dealing with the stress of consolidating debts and getting back on track. A special thanks to Rebecca for helping me through the process and reducing my stress in a difficult time. Can't thank you enough 😁😊 Best decision I've made 👍👍👍
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Elisha E.

6/09/2020

I am so pleased with how Patty, Howard and the proposal team helped me file my consumer proposal they were fantastic. Very proffessional and supportive. I wish I would have done this earlier. The tools I was given are priceless I cannot thank them all enough. I finally feel like I am in control of my life.
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Andrew F.

11/10/2023

The team at Hoyes, Michalos & Associates made what could have been a miserable experience painless. Recommend them to anyone else going through this process 👍🏽
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Mohammad K.

5/13/2019

Incredible people, the process was seamless and comforting. I’m seriously happy my proposal was done through them and would definitely suggest Hoyes for anyone considering to do it!! Don’t bother looking somewhere else.
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