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
Louise S.
5/20/2020
It is not easy to ask for this kind of service. Embarrassing for me but Shannon and the staff made me feel comfortable and explained everything in detail and made sure we understood everything. Never pressured us to do anything. I highly recommend them.
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nabil m.
10/16/2020
I found this business place as a very honest and helpful place to help people like me in their bad times with bankruptcy. I would recommend them to help anyone who needs help with money issues.
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Cody B.
11/21/2019
Amazing. Weight lifted off my shoulders, staff are so easy to talk to, easy to get ahold of, responds to emails, gives honest feedback to help you clean up your debt mess.
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stephanie k.
5/07/2024
Hoyes, Michalos & Associates had made it so easy for me to free myself from my debts! They were also the only company who made me feel like they cared about what was best for me and my situation which is why it was easy to make the choice to go with them. Scott is my broker and he is amazing and thorough and does anything he can to make it easier on me. I am very happy and highly recommend!
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Kratos S.
11/12/2019
Couldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I must say I am feeling 100% then when I first came to their office. I will continue to use them and will refer any and all to them that need help in the fields that they professionally provide.
Cant say thanks enough!
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Kendell R.
7/06/2023
Let me start off by saying that Brian McIlmoyle at Hoyes & Michalos helped me change my financial situation 180 degrees. From the high level of knowledge regarding debt, credit and financial planning to the excellent customer service and honesty, I felt secure disclosing my financial matters and felt that I was in good hands. I was always given a great deal of help every step along the way, and whenever an associate was busy, there was always someone to help forward my concerns to whomever I needed to talk to. Thank you Hoyes and Michalos!
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Heather C.
12/15/2023
Fantastic service from Mark at Hoyes in Barrie. He made the process so easy to understand and made me feel comfortable and confident. He provided lots of education throughout the process and helped me feel in control of my finances. Highly recommend.
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Dave L.
2/09/2025
Jason at Hoyes, Michalos & Associates was very knowledgeable and very down to the point with all the information i needed to get my life back on track. I've been struggling for years and within a couple of months after taking the first steps on meeting with Jason my life has done a 360. I would definitely recommend the Hoyes, Michalos & Associates team. 5 out of 5.
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Kendell R.
7/06/2023
Let me start off by saying that Brian McIlmoyle at Hoyes & Michalos helped me change my financial situation 180 degrees. From the high level of knowledge regarding debt, credit and financial planning to the excellent customer service and honesty, I felt secure disclosing my financial matters and felt that I was in good hands. I was always given a great deal of help every step along the way, and whenever an associate was busy, there was always someone to help forward my concerns to whomever I needed to talk to. Thank you Hoyes and Michalos!
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Tammy M.
11/09/2024
I honestly was experiencing so much anxiety and depression over my debt. I was referred by a friend and it honestly took me over a year to actually contact the firm because I thought nobody could help me with the amount of debt I had. Luckily for me when I finally reached out... Rebecca was reassuring and started the process immediately! I am now repaying and rebuilding my credit as well as sleeping well and have been relieved of great anxiety. If you're overwhelmed with debt and feel there's no way out, I implore you to contact Hoyes, Michalos & Associates - Consumer Proposal & Licensed Insolvency Trustee, they will find a solution for you too.
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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.
