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
Carlos J.
8/14/2021
Having financial struggles can make you feel like you're trapped in quicksand and can be emotional draining. The entire team at Hoyes, Michalos & Associates helped me figure out all my options and what my next step could look like. They didn't judge me, they were only interested in getting me to a good place. They were amazing and they truly cared about my well being! It all starts with a call or an email...
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Paul E.
7/15/2022
I had the pleasure of dealing with Benny. He guided me through the available options relating to my situation, and answered every question I had. We were able to obtain a favourable agreement with my creditors, and I'm happy with the result. I would definitely recommend him/Hoyes to my family or friends, should they require such services!
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Jonathan A.
9/04/2026
Gary Dias was a huge help during what is/was honestly a very stressful and overwhelming time for me. He made the entire consumer proposal process feel much simpler and less intimidating than I expected.
Gary was always patient, approachable, and quick to communicate. He took the time to explain things clearly and made me feel like I was in good hands throughout the process. I genuinely appreciate all the help and support he provided.
He did an excellent job, and I would highly recommend Gary to anyone who finds themselves in a similar situation.
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Trevor H.
12/21/2020
Excellent place to start over. They are on your side and there is zero judgement. Joel was amazing to work with! Highly recommended if you are looking for a fresh start.
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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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Tina S.
1/18/2021
I lost my job due to Covid and had to make the difficult decision to seek help. I was stressed because I thought they would judge me, but everyone I dealt with from day 1 was kind, helpful and understanding and never made me feel bad in the least. I was able to talk to someone who had been through it and that helped so much. They also had some great resources available to help with budgets and financial planning and avoiding pitfalls.
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George G.
3/15/2021
I went through and very bad separation and my business was not doing great, I thought I was looking at bankruptcy. I heard the radio ad for HOYES, MICHALOS & Associates but was too embarrassed to call. Finally, I picked up the phone and made an appointment. Licensed Trustee Scott Schaefer and the staff were great! All my debt was squared away and negotiated with my creditors. My monthly payments were manageable and my debt paid off quickly. I was free and built up my credit to an excellent rating once again. I SHOULD HAVE CALLED SOONER! Now I open my mail, answer my phone and sleep at night without worrying.
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Mitch A.
3/25/2021
I couldn’t be happier with my decision to go with Hoyes, michalos & associates they helped me get through my debt in a way that brought a little peace of mind to the table worked with me no matter what my situation was at the time definitely recommend the team at Hoyes thank you everyone
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Linda p.
5/25/2022
I cannot express deeply enough how much I appreciated the help of the Barrie office of Homes, Michelos & Associates during my difficult financial times.
They walked me through my options and helped me decide how to deal with my problems in a manageable way.
I am now proudly out of debt, staying current with all my bills and also putting a little bit away in savings regularly.
Thanks so much !!!!
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Nick D.
3/11/2020
Great business great staff if you need help these are the guys you want on your side
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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.
