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
Colette S.
7/02/2022
Very friendly and knowledgeable staff. Highly recommend them for help.
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Dean C.
12/21/2025
Thank you very much Brett Nicholson and the team at Hoyes, Michalos and Associates.
Sometimes people unintentionally get themselves into a situation where they don't know what happened. I tried to create something, but it just went in another direction.
Your services were Very helpful and non-judgemental, and has helped create an open road for a new start.
Thank you.
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Nicole B.
6/16/2022
Very nice kind helping people. From the first call to every follow up call and any call in between. There was no judgement only a willingness to help. They gave you the options you had so they made you feel that you had a way out. Highly recommended :)
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Barb G.
8/26/2020
From the minute i spoke to Brian I felt immense relief.
He was kind, professional and took the time to explain everything to me carefully and answered all the questions I had. I had pretty much given up hope that I wold ever get my debts paid off and was sinking further every month. Thankfully Brian has worked out a proposal that works and i can finally breathe again.
If you ever need to seek professional services i would highly recommend Hoyes, Michalos & Associates to help you.
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Ghada Y.
6/29/2023
I am SO glad that I made a good call when I reached out to Hoyes and Michalos Association. I am relieved that I got the best advice for my situation and I learned things that I didn’t know before during this 30 minutes meeting with Mr. Doug. I highly recommend this place to get the guidance and help you need.
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Jay H.
11/08/2024
I must say that 5 stars aren't enough for Benny and his team at Hoyes, Michalos & Associates in North York. This has been a life-changing experience for me, they were professional, non-judgemental throughout the process, always willing to help and ready to answer any questions that I had at any time. Thank you Benny, Brennan and Wendy, I wish I could give you more than 5 stars. Thanks again!
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Lauren W.
1/21/2020
Staff were friendly, accommodating, understanding, and so so so helpful. Would definitely recommend Patty in the cambridge office.
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Bronx D.
3/07/2021
Amazing...Diane went above and beyond...kept me updated every step of the way...Resolved issues that arose years after file was closed...Highly recommended 😁
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Joel E.
1/07/2023
Scott Terrio and his associate have been extremely helpful, understanding and patient with me for this whole process of applying for a consumer proposal. I couldn't have had a better experience dealing with such a high stress inducing aspect of my life. Since working with Scott, I've felt significantly less pressure in my life knowing that I'm actually being taken care of. Any information I've requested due to my lack of knowledge of the field was welcomed and offered to me with kindness and patience. Thank you Scott Terrio, Hoyes, Michalos & Associates! I truly am so grateful for your help with my financial situation.
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Tina S.
10/13/2021
Easy to work with. Everything is explained thoroughly. You can call or email and get answers to all your questions.
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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.
