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
Colette S.
7/02/2022
Very friendly and knowledgeable staff. Highly recommend them for help.
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Tamara T.
10/16/2020
I needed help with creditors, its been 3 years after my claim, and they still go out of their way to ensure issues will be resolved for me. I am glad I chose them to be my trustees.
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Linc B.
10/07/2019
Extremely happy with the Team of Hoyes, Michalos & Associates. Very professional, knowledgeable, and understanding. Made me feel very comfortable during the difficult period of my life, and thanks to Benny and his team for a great outcome. Absolutely recommended.
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Amber M.
2/28/2021
The team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst years of my life and thought I was never going to get out from under it. Howard & Patricia were compassionate and didn't judge me for being in the position I was in. They provided me with exceptional counsel and helped me to make the best choices for me going forward. For the first time in months I'm breathing easy and working towards building a better future for myself. If you need help, call them, this team will not only work with you to get you out from under your stress but will teach you how to avoid being in this scenario again. They're with you every step of the way.
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Rasta F.
1/12/2020
I will always refer anyone H.M.&A. My case was handled professionally and confidential. R.Martyn was my trustee and understood my situation better than i did and had me totally relieved with my resolution. G.G.
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Rojhat D.
10/15/2021
Ian was incredibly knowledgeable and kind towards my situation. I was given plenty of options as to how to resolve my debts responsibly. I am now able to move forward on good terms with my creditors. Thank you Ian!
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Jon
4/20/2020
Deciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett Nicholson as my trustee. I recommend him 100% if you can get him as your trustee.
He is extremely knowledgable and professional. He responds to emails and phone calls in a timely manner and will put your best interest at heart.
Brett is also very caring and understanding. He takes the time when explaining things to me and ensures that all of my questions are answered. Having Brett as my trustee has reduced a lot of my stress as he always tries to help where and when possible. He really goes the extra mile to help me when I reach out to him.
I recommend Hoyes, Michalos & Associates Inc. to anyone who is in a sticky situation. I am sure that the other trustees are good but if you can work with Brett Nicholson, you are in really good hands.
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Jennifer S.
7/25/2023
I was so nervous and uneducated when it came to finances. They have made this scary process fast and extremely easy for me. During my counselling appointments I was given great information to help guide me.
I would highly recommend talking with them and seeing how simple and stress free it is to have them on your side.
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Daniella B.
11/07/2022
I didn't anticipate finding myself in a position to request the service of Hoyes, Michalos & Associates. Initially I had difficulty finding a reputable agency who could assist me, not take advantage. I met with Brett who was of great help in navigating me through my options. I also met with Brennan who provided 2x clear, direct and short presentations to set me up with tools for success. I feel as though I'm in great hands.
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Karl F.
5/23/2025
Before I met Howard I was in a very difficult and stressful situation. and I keep searching online until I found his name as trustee who has excellent reviews, then I decided to contact him, we met for a free session to explain my situation and the options. He's honest and straightforward person. Since I met him I feel less stress and relieved. I highly recommended him if you have anything related to financial issues. Please don't hesitate to contact him and ask for his help.
I'm so grateful that I met him. Thank you so much Howard
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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.
