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.
Our licensed professionals will help you explore your debt relief options.
What our clients say
Hans K.
6/20/2021
All I want to say is Brett was great and Hoyes, Michalos was great. They provided me my options and the likely hood of proposal. All went great just like they said. If you need help just ask. We are in different times. Everyone has a different situation and needs help like Hoyes and Michalos.
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Marian E.
5/08/2023
I cannot say enough good things about my experience with everyone involved with Hoyes, Michalos and Associates. Pleasant and non stressful
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Paige D.
8/09/2022
lovely to have someone to set financial goals with and help with rebuilding my credit!
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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.
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Rands
9/18/2025
I had the pleasure of working with Kristen, and I can't recommend her enough! From the moment we started, she was incredibly helpful and attentive. She took the time to explain everything in detail and made sure I understood each step. Her patience and clear communication really stood out, and she went above and beyond to ensure I was comfortable with the entire process. If you're looking for someone who truly cares and knows their stuff, Kristen is the one to go to. Thanks again, Kristen, for your exceptional service!
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Shy S.
1/26/2024
Amazing! The lady that helped me was very good at helping me understand my proposal. They do the absolute best they can to ensure you can afford monthly payments and work hard to get you where you need to be financially. Definitely 5 star service!
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John C.
9/14/2024
Dealing with Jason at Hoyes, Michalos & Associates has made a stressful, overwhelming situation controllable with his professional, informative, straight forward and likeable personality all while educating and providing positive results for my financial future.
I highly recommend calling Jason if you are at all feeling the need to help with your debt
Thank you Jason
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Deliska M.
7/22/2022
I was very hesitant to contact any company to see how they could help me out with my situation. Scott was very caring and understood the stress levels I had. So much stress in now reduced! If you are struggling in anyway financially, it's merely a phone call and discussion, no pressure. I highly recommend this company!
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johnny B.
9/17/2021
Excellent experience, incredible customer service and very understanding. Would highly recommend them for your needs.
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Chris G.
11/26/2022
I wish to say thank you to Rebecca & the entire staff at Hoyes Michalos for assisting me in creating a resolution for my situation I was in. They sat down with me, provided me options & a timed schedule that workes for me to pay back my debt. So now on this day Nov 18th , 2022 I can take back my life with a fresh start, and learn from my mistakes of the past.
Sincerely: Chris Gervais
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We help you get out of debt
We can help you eliminate most types of unsecured debts, including:
credit card debt
payday loans
tax debt
loans and overdue bills
student debt
Need debt relief help?
Arrange a free consultation in any of our locations accross Ontario today.