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
Ausencio P.
3/12/2021
Maureen we appreciate your patience, attention and kindness in the services provided in a very professional manner.
Ausencio and Elizabeth
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Justin P.
2/14/2026
I was hesitant at first, unsure if this was something that would work or even be possible, as my debt was getting out of control. However, Hoyes, Michalos & Associates took the time to clearly explain my options and helped me understand what I could do to get back on track. They consistently went above and beyond whenever I had questions.
They provided me with a clear path to regain control of my debt, and now I’m on track to becoming debt-free. I highly recommend reaching out if you’re feeling overwhelmed, even starting with a conversation can make a huge difference. I feel significantly less stressed and am truly grateful that I took that first step.
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shoshana h.
8/31/2023
I fully recommend these professionals, Maureen was extremely caring and honest, she made me feel like I was a priority and she looked out for my best interest, very rare in this profession.
All departments are knowledgeable and communicative, they made a very stressful situation much easier than I expected
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Melissa L.
5/11/2023
Rebecca was very helpful and made me feel very comfortable and I went in the process feeling doubt and insecure. She put all my doubts aside and I am so happy I made this decision.
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Babar S.
10/02/2024
I spoke to Mr. Douglas Hoyes, he answered all my questions very patiently. He is a thorough professional. I would definitely recommend him and give him five star rating.
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Ana L.
10/07/2025
I really, really liked the way they helped me out with my situation. They were very nice, clear and helpful. The schedules and times were very well organized, punctual and professional. I definitely recommend Hoyes for any bankruptcy services.
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A G.
7/17/2020
After meeting with several companies to discuss my financial situation and the curve ball life had thrown me. This was the only team that from start to finish kept my best interest at heart! Provided the correct information the first time and allowed me to get back on a healthy path!
Thank you Joel and team
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V K.
1/20/2023
Empathy, understanding and guiding hand - Scott Terrio from Hoyes, Michalos & Associates provided all three when I was looking for solutions when faced with financial problems. Scott explained how the process worked, recommended options and answered all questions with great patience. Thank you Scott for all your help, responsiveness and patience! Highly recommend Scott!!
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Lindsey C.
10/15/2020
I contacted Hoyes, Michalos & Associates with my tail between my legs. I was feeling very embarrassed about the financial situation I found myself in. I was put in touch with Sandra Sykora, who throughout the entire experience treated me with total respect and support, but also with a firm understanding of what I needed to do (and was firm with me, which I needed!) She helped me come to a decision about how to proceed, and I am very satisfied with the outcome. Sandra helped me understand the process very clearly, and educated me in the areas I needed more help. I would highly recommend her if you find yourself in a financially difficult position. Thank you so much!
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Tyler C.
1/31/2023
They made a overwhelmingly negitive situation bearable and worked with me through tough times in the pandemic. They always were their to answer questions and help me out if i could only do a partial payment. Very professional and helpful. Our 5 year plan was just completed in jan 2023, they guide you throughout the process and are in communication whenever needed
Thanks
Hoyes michalos and associates
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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.
