2549 User Reviews

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.

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Personal Bankruptcy

A legal process to eliminate debts, stop collection calls and give you a fresh start.

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Debt Consolidation

Compare options to combine debts into a single, lower monthly payment.

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Credit Counselling

Professional advice on budgeting, debt management, and more—we're here to give you debt solutions.

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Our licensed professionals will help you explore your debt relief options.

What our clients say

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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Jim C.

4/17/2023

I was a tough decision for me to consider a consumer proposal but in my case it was the right one. Peter from Hoyes, Michalos and associates made it painless and now I'm not stressed out about how I'm going to keep up with my bills. Thanks so much!
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Amber L.

9/09/2019

Amazing experience! I would definitely recommend checking out your options here.
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Truth w.

11/14/2019

I highly recommend HOYES, MICHALOS & Associates as a Trustee. Shannon, Brenan, and the other associates have been very helpful, and made the Consumer Proposal process simple. They are a reputable, and professional company that you can trust.
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Yary K.

2/01/2026

I can’t thank Rebecca and the entire Hoyes Michalos team enough.If you’re in Windsor and struggling with debt (especially after fraud or life circumstances), please reach out to this team. They don’t judge; they help. They truly find the best solution for you. Thank you, Rebecca and Hoyes Michalos, for giving me hope and peace again. My financial burden is finally lifting, and I can start rebuilding. I’m forever grateful!!!
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Reese E.

6/27/2022

I was drowning in debt and absolutely convinced that there was little to no way out of the situation I was in. On the advice of a friend I reached out to Hoyes and was immediately met with patience, understanding and a trust worthiness that I had not experienced anywhere else in this field until that point. Sandra and the team did a fantastic job at easing me into a situation that was both affordable, and efficient for me to tackle my financial issues head on. Would recommend their expertise and service to anyone who needs it.
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Janis R.

11/25/2021

I was hitting rock bottom with debt and reached out to Hoyes Michalos & Associate and spoke to Rebecca she is very understanding and makes you feel comfortable, I would definitely recommend her to family and friends.
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Kevin M.

7/12/2021

Very helpful and professional. Willing to go the extra distance to help you solve any issues
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Dahlia D.

11/27/2020

My counsellor has been extremely helpful after only 2 sessions ! The process was easy and has made me more confident with budgeting and planning for my future.
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A G.

8/18/2020

I wanted a fresh start. I was stuck in a high interest credit card with a balance that continued to grow. It became way out of my reach. With the help of Peter Allen and Billy Martell I can sleep again. My debt was cut to 40% of the balance with payments that were great for me. I have learned a lot with their help and I would recommend them to anyone.
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