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
Erlind S.
7/24/2026
Very professional and caring! They took the time to explain everything clearly and thoroughly. A special shout-out to Maureen and Brennan for their hard work and dedication to helping others!
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Anna R.
8/09/2021
Great people and great service. Everything is done on time. A lot of useful information provided. Highly recommended.
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Reva B.
5/28/2021
Mark has helped me immensely on my Journey to financial recovery found him very informative, has patience , and great advice .
I am happy I chose Hoyes, Michalos &Associates would most definitely refer them
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Jo J.
8/26/2021
Dear Ianina hope you are doing well. It's been long time since we last spoken. I just want to say thank you so much for what you have done for me! I more than appreciate your help. She was so supportive communication with property manager while I was moving to new place. She really helped me a lot. God bless you Ianina and you are very beautiful. I wish your success and best wishes. Stay bless ❤
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Queena B.
12/05/2020
I came to the firm in absolute distress. Most people think that you get into debt because you don’t want to pay your bills but that was not the case. My back was against the wall and saw no way out. I contacted the associates to get advice and to be honest, what I got was a full night sleep for the first time in years. Hoyes, Michalos and Associates made me to feel valued and educated me on the pros and cons of options available to me. Jason Quinney was transparent, respectful and non judgmental. I did not feel like dirt under his feet but a human being that deserved another chance. It should also be noted that the office staff are equally knowledgeable and extremely helpful. The association gave me the changes to start over again and for that I am truly grateful.
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A G.
3/04/2020
I would recommend Hoyes, Michalos & Associates to anyone looking for help, great team and friendly staff.
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Billy J.
10/25/2024
A simple search online and I found this group of people. Really helped me with my finances. Exceptional people that did everything to help me out. Definitely worth the call.
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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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jonas p.
10/02/2020
Uncertainty about finances and servicing my debt with interest charges created a panic combined with mental unrest.
When I heard about Hoyes & Michalos it became obvious that I would inquire if they could help.
Sure enough it became apparent that efficiency and confidence in their approach with so much information and support available especially with Brett and Maryia.
Both professionals they helped with my confidence to realize that I could propose to my creditors a solution. With Zoom available the process and answers to my financial challenges were answered and today I’ve been given an opportunity to better understand my real needs and live easier without the stress.
Thanks to all the Team who assisted me at Hoyes & Michalos!
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Kryptic A.
6/13/2022
So I had a good and bad experience with them. Some of the team are friendly, and some aren't so friendly. My whole bankruptcy went fine until it came for tax time. Come tax time the person who does the taxes ended up changing my marital status causing me to owe the government money that I don't actually owe them. It is now 4 months later and the government is still giving me issues with this. They are good to use, but when it comes time for taxes make sure they know if you are single or common law 1000 times before they do your taxes. Otherwise u will end up owing a stupid amount of money that you don't actually owe.
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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.
