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

Josh F.

11/23/2022

Incredibly helpful and professional people working here. Managing my financial situation was much easier with the help of Joel and Heather and I feel better prepared now moving forward in my life
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ARIO

4/17/2023

I want to thank Maureen Parent and Brenan for their kind help and support in this difficult times. They are pretty quick and accurate in what they do and I felt quite confident throughout the process. I was really stressed out for my financial situation and I found lots of support and great advice from them which I appreciate so much. Very professional, knowledgeable, and friendly people. I recommend their services for sure to friends.
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Andy K.

9/16/2023

Hoyes, Michalos & Associates have saved me from a dire situation I never though I could get out of. Their associate Jason was very efficient and polite in walking me through my options and helping me understand my finances. Big thanks to the team Hoyes, Michalos & Associates for giving me peace of mind and taking a huge weight off of my shoulders.
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Ali H.

2/14/2022

Amazing staff.
Bully was great !
I tried a few places but these guys just explain things so much better and make the process to get your finances Back on track so much easier.

Much appreciated 5 star service
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Jeffrey L.

4/01/2024

I had a wonderful and easy experience working with Jennifer and her team at Hoyes, Michael's & Associates. I highly recommend using them if you encounter any debt difficulties.
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Verna D.

9/22/2024

August 2024 reached out to Hoyes,Michalos and Associates for questions and possible file a consumer proposal. Jason Quinney was my representative, he was very professional, knowledgeable and helpful. With Jason's expertise I file my consumer proposal everything went smoothly and now I am on my way to be debt free. Thanks Jason and partners a very satisfied customer 😀 👍 Verna. D
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Scott S.

2/24/2026

Scott Terrio helped me with my consumer proposal after my business did not turn out the way I had wanted. Everything got approved by TD Bank exactly how he said it would. Doug Hoyes also met with us on one of the meetings and they were both professional for my situation.
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Jeff T.

4/24/2024

Very good team that takes care of you during your hard financial times. Highly recommended
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Tom S.

11/19/2025

After interviewing more than 4 different companies and trustees, I decided to engage Mr. Scott Terrio with Hoyes, Michalos and Associates. He was incredibly patient, knowledgeable and to the point about the process and what was to be expected. He explained all the details and made sure all was understood and what needed to be done in order to have a smooth and successful outcome. Scott has a way of calming things down for you and helping in a very difficult time. I would gladly recommend referring Scott to anyone in financial difficulty.
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Richard D.

9/18/2023

After i lost my job during covid, and i got overrun with debt trying to stay afloat, I really had no idea how to even begin to fix things. It all seemed insurmountable, but Hoyes, Michalos & Associates really helped make things easy. They really do make things much easier, and they understand how difficult it is to just step through the door. I couldn't recommend them enough for their expertise, compassion, and ability to help me get back on my feet. If you're unsure whether this is for you, seriously, just call. You won't regret it, I promise.
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