Hoyes Michalos has helped over 40,000 Ontario residents get out of debt since 1999.

We can help you too.

We'll explain all your options & help you find the best solution to get rid of credit card debt

  • Debt consolidation
  • Credit counselling
  • Consumer proposal

Bankruptcy is a last resort but if it makes sense, we will help you through the process.

Reduce your credit card debt by up to 70%

Here is an example of what your monthly payment might look like if you are trying to settle $40,000 in credit card debt:

Debt Relief Cost Comparison

Find out what option is best for you.