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
G T.
5/25/2020
I was afraid to start my process. Once I called and had my meeting, Rebecca and staff made me feel very comfortable and welcome. They always answered any questions that I had. They were very informative and helpful in the entire process. Dealing with the Windsor staff was a great experience and made me feel great to have a fresh start. Thank you once again.
GT
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Liz M.
10/04/2022
Both Scott and Charlie have been amazing. Walking through the steps has come with great ease and appreciate all of the support and guidance received.
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William G.
4/16/2025
When I first saw the AD, I was very spectable. I was nervous when I did the inquiry. When I registered and was given a call I felt so comfortable the first person I spoke with was so helpful he treated me and spoke to me with so much respect he understood what I was going through and he assured me that I will be in good hands. His colleague called me ANNE ROMANO, ANNE was great she helped me with all my debt, cutting it in half, and she worked with me in setting up goals to stay out of debt. Anne is amazing 👏. If you are in debt and feel nervous or lost, please don't hesitate to call. You will be in GREAT HANDS and have lots of support from the team. My only regret was not calling sooner. I would have saved HUNDREDS of dollars in interest and debts..
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Dat G.
2/20/2024
Mr. Scott T. is incredibly patient with me to the point of answering same questioned i had repeatedly . He explained every details to me made sure understood what needs to be done .
My consumer proposal has been approved sooner than I expected by his help. I'm genuinely happy of the result. I was skeptical at first but based on my experienced, I would definitely RECOMMEND HOYES MICHALOS, try getting their help yourself, they won't disappoint you.
Thank you! Amazing Team.
Arsenia 🙂😁😁
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Bea K.
10/01/2025
This whole process is very stressful but the 2 people I have dealt with were amazing. Professional, trustworthy, friendly and explained process in detail. I would not hesitate to recommend this company..
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Carol S.
11/19/2019
This was a very positive experience for me. I enjoyed working with everyone who helped me, and treated me in a professional manner.
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Keri S.
11/10/2025
The whole experience from start to finish was amazing. I submitted my information online and got a call right away. I was transfered to Ted and we spent less than 10 minutes going over some numbers. I had the paperwork emailed to me the same day and met Ted a week or so later to go over all the details and sign the documents.
I had put off making this call for a very long time thinking I'd pull myself out. I regret not calling a year ago. The process was simple and judgment free. Thank you for everything!
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Sarah D.
7/16/2020
They're fantastic to work with and explains everything clearly. So far it's been great. No complaints with hoyes!
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De B.
4/20/2024
Thank you to Hoyes, Michalos and Team. All of you are absolutely amazing people. Everyone working here, to the lovely lady who answered the phones and received my emergency calls at 8am in the morning, have been the most patient and understanding group of people in a time that was difficult for me, you all made it easier and FINALLY! am FREE and I can begin anew. Thank you all so very much.
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Magdalena P.
1/26/2019
I was drowning in debt, living paycheck to paycheck, sometimes barely scrounging to get by. A friend recommended Hoyes, Michalos & Associates. From the initial consultation with the wonderful Sandra Sykora, to the counseling session to the final result, I am very pleased with the result. She was very informative and broke things down very well so I understood my options. Everything we talked about was also sent through email. She was always there with answers to my many questions in a very timely manner. I would highly recommend Hoyes, Michalos and Associates to anyone who needs financial help. Thanks again.
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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.
