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
Sam S.
7/02/2020
They aren't kidding with the whole "debt free in 30" (minutes). I spent a total of one hour at the office during my entire 9 months of bankruptcy. They get to the point while still providing options. They know what they're doing.
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G D.
1/14/2021
The staff here are very professional and compassionate about what they do. They walked my wife and I through a difficult period in our life and helped us get everything back together again. We are now debt-free with a level of stability and savings we never thought would be possible.
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Claudia F.
2/24/2026
Jason Quinney was amazing to work with! He was always quick to respond and made the whole proposal process feel much less stressful. I truly appreciated his guidance and support from start to finish. Highly recommend!
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Kristina M.
10/15/2024
I’m very grateful that I came into contact with Benny and his team. I had substantial debt after a familial separation, and I was hopeless as to what could be done. He and his team got me through the consumer proposal seamlessly. The paperwork was straightforward and process ran smoothly. Now I’m on the way to financial freedom with there help. I’d recommend to anyone going through something similar to my situation. Thanks Benny and Janette.
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Lena B.
3/21/2019
Organized honest caring people. They get the work done quickly.
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Debbie L.
10/09/2020
Benny Mendolwitz made this process very easy. He was empathetic, extremely helpful and put my mind at ease. Consolidated Credit has helped me a great deal!
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Jordan A.
3/26/2024
Extremely knowledgeable, helpful and courteous. I was happily surprised. And now I have so much stress taken off of me.
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OnBendedElbow !.
10/01/2021
If you're looking for debt relief then Hoyes is who you need to talk to. They have helped in the past as well and have always been there for me.
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Adrian c.
4/07/2022
I would highly recommend this company hoyes,michalos and associates .I feel no judgement at all mr benny was really kind and helfpul and easy to reach out.thumbs up for your service.
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Russel M.
11/30/2024
Stop wasting your money and time..call this office, they will help you from day one, to the date of discharge. Best experience I've ever had. Mark was amazing and very patient. Found a way to help my life turn for the better and put a stop to endless bills and disgusting interest rates. Now being successfully discharged I'm able to start from scratch and learn from my past mistakes.
Thank you for this chance Hoyes!
Kind regards
Russel.
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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.
