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
Jesse C.
1/28/2020
When my wife and I found ourselves in a very difficult position, Mark was able to outline our best options and get us on track to recovery. Our consumer proposal was executed quickly and successfully and our dignity was kept intact throughout the process. It's incredible how much stress was taken from our lives by making the simple decision to set up an appointment here. Once again, can't say enough about Mark!
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Matthew d.
11/12/2021
I would like to thank Hoyes, Michalos, & Associates Inc. for being here for people who are overwhelmed by debt. I received nothing, but the best advice and help. Scott Terrio is amazing at making you feel comfortable and secure. He is knowledgeable and will create the best plan possible. I would also like to thank Doug for everything. I highly recommend Hoyes, Michalos, & Associates Inc. for debt solutions. They are the best and have the best team.
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Rashid M.
12/02/2025
I had an excellent experience working with Hoyes Michalos on my consumer proposal. Benny was professional, knowledgeable, and very supportive throughout the entire process. He explained every step clearly and helped me feel confident about the decisions I was making. The team handled everything with care and understanding, making a stressful financial situation much more manageable. I truly appreciate their efforts in getting the proposal accepted and would highly recommend their services to anyone needing help with debt solutions.
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Denis D.
10/13/2020
I am so grateful for the outstanding support and assistance during a very trying time in my life. HOWARD and the wonderful team at Hoyes, Michalos and Associates were there to answer my questions and have paved a new path going forward. They have an incredible website and tools that will help me succeed in starting over following my consumer proposal. Thank you!!! Denis
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Alex J.
3/16/2021
Dealing with the Hoyes staff was a better experience than I expected.
Professional. The make you feel at ease.
Billy and Beau my councilor are excellent at answering questions and providing advice..
I would definitely recommend them...
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Rachelle V.
8/11/2026
Shelly Ann was absolutely amazing to work with. She went above and beyond to help me during a stressful process and made me feel genuinely heard and supported.
What stood out most was her empathy, patience, and willingness to really listen and look into things instead of just giving me a standard answer. She cared about finding a fair solution, and because of that, she was able to help me tremendously.
She is knowledgeable, compassionate, and truly a women’s woman — the kind of person you’re grateful to have in your corner. I’m so thankful for her help and would highly recommend her! 5 stars for Shelly Ann!! ❤️
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Sherald G.
8/16/2022
I am very pleased with my experience working with this company. It took me 4 years to pay down 10000.00. They reduced it to 6000.00. As of today I am debt free. And boy does it feel good. I highly recommend them.
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a. g.
6/04/2026
Sandra and her team greatly helped us with the proposal. When we had questions and concerns, they were addressed promptly. Highly recommended!
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Christine B.
11/20/2023
Hoyes, Michale & Associates have saved me! It is not very easy to admit failures, especially when it comes to finances. Kirsten' is very understanding and non judgemental, which really helped me control my anxiety. I am confident that I can overcome my failures and turn them into being on my way to be debt free. Thank You!
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Mike
2/06/2023
Absolutely fantastic professional service. I was obviously very hesitant about the process but Kristen was beyond easy to deal with and extremely knowledgeable. 100% recommend dealing with HM&A.
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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.
