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
Melissa L.
5/11/2023
Rebecca was very helpful and made me feel very comfortable and I went in the process feeling doubt and insecure. She put all my doubts aside and I am so happy I made this decision.
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Steve L.
3/15/2022
It was a very easy process thanks to Jason and now i can start fresh and get my finances back on track. I recommend Hoyes, Michalos to anyone having financial difficulty and they will direct you to the best solution for your needs .
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A G.
5/30/2020
A very relaxed, non judgmental initial interview laying out the appropriate action for my circumstance. Follow-up visits reinforced the feeling of being respected and being able to discuss the process and report filings in a very cordial, informative environment. Definitely, it has been a very pleasurable experience so far, as I continue to deal with the reality of having to file for bankruptcy.
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Safra D.
9/16/2024
I was going through a very expensive, very prolonged, and long-winded custody battle/divorce, and the debt just kept mounting, and a consumer propsal was my best option given the circumstances at the time.
Working with Hoyes, Michalos & Associates was a very pleasant, straightforward experience. My counsellor was nice and upfront, and the proposal team was so awesome and accommodating throughout my journey.
I'm so glad that I paid it off as soon as I did. Matter of fact, I wish I had done it sooner, but I'm satisfied.
If you can pay off your debt without assistance, please do so. However, if your back is against the wall, please consider speaking to Hoyes to look at all your options.
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Shane M.
3/22/2024
Having to declare bankruptcy was a personal and business disaster for me and something I never dreamed I would have to do. But when I met with Scott Terrio of Hoyes, Michalos & Associates, he made it a calming and easy process. He took the time to meet with me personally, took a real interest in my predicament, and eased me into the process in a seamless, professional manner. If you have to go through the pain of bankruptcy, Hoyes, Michalos & Associates makes it not only bearable, but simple. I would highly recommend this company to anyone who must undergo a bankruptcy. They will have your back from beginning to end, and can put your life back on track again.
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Nicole
7/21/2025
I worked with Bill to manage my debt. I am m grateful for their help in working towards a debt free future. I no longer feel like I am drowning. The process was simple and they explained the process through every step
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Damian Y.
8/11/2023
Had 9 collectors with around 50k worth of debt my wife and I couldn’t afford. Got it down to 15k with this program. Shout out to Brett Nicholson and Brennan Thompson at Hoyes! You guys are great thanks for the help!
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Scott M.
10/03/2019
Great help and a good group of people to work with.
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cmkjones73
6/11/2021
When I really needed help and felt like I was drowning, they were a life line. Hoyes and Michalos were so professional, helpful and informative to help get me back on the right track. I have already learned so much.
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Michael D.
11/15/2021
I really appreciate the speed with which Benny addressed this matter. I have a big load off my mind now that the creditors accepted the proposal.
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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.
