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
Robin P.
7/03/2020
Excellent service! Great people, very helpful and friendly.
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Brodie T.
8/16/2024
Amazing staff and service. Were able to help me through my insolvency process with minimal requirements
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Sharon A.
10/30/2024
Hoyes, Michalos & Associates has been life-changing for me. Firstly, I would like to thank Benny Mendlowitz and Brennan Thompson for their amazing service, kindness and most importantly their understanding. This has been life-changing for me. I never thought there was a way out of the hole I was in. I had many mixed emotions and hesitations about consumer proposals, but Benny and Brennan clarified all my concerns. Their responses were detailed and timely, which make all the difference. I'm look forward to a new, debt-free chapter! Thank you ever so kindly again Benny and Brennan of Hoyes, Michalos & Associates! Take care and God Bless, Sharon Adams
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Tyler C.
1/31/2023
They made a overwhelmingly negitive situation bearable and worked with me through tough times in the pandemic. They always were their to answer questions and help me out if i could only do a partial payment. Very professional and helpful. Our 5 year plan was just completed in jan 2023, they guide you throughout the process and are in communication whenever needed
Thanks
Hoyes michalos and associates
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Hesi
4/08/2024
I want to express my gratitude to Benny for his invaluable assistance throughout this process. He patiently guided me through each step, explaining everything clearly and addressing all my concerns. Thanks to his support, the process was smooth and efficient. Benny's patience, empathy, and unwavering support made navigating this complex journey much easier for me. I highly recommend Hoyes, Michalos & Associates for their excellent service!
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Mal T.
4/30/2026
My experience with Charlie at Hoyes, Michalos & Associates has been phenomenal from very the beginning. His knowledge and expertise was very valuable when deciding to go through with my consumer proposal. The two mandatory meetings were also a great way to check in and go over any uncertainties I had about rebuilding my credit and made me feel more confident about moving forward. Thanks again Charlie!
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SexyAlly B.
5/26/2022
Best staff ever Peter and Brennan are the best people they understand your situation and put out their best to help u
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Amanda M.
2/08/2021
It has been an absolute pleasure working with Hoyes, Michalos & Associates! Howard was very informative during our meeting and was able to help me 100% with honesty and explained everything so I understood fully before signing anything, and Patty has been amazing at helping with questions that are probably really silly for most people and teaching me all the extra little things that I didn’t have before. Thank you so much for helping me get back on track and work towards goals I didn’t realize where possible!!
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Lina S.
2/24/2021
Finally I start new fresh life with free debt and there is no more problems with credit card department thank you guys for your advice and your help. It is really nice to meet you I wish all the best to you thanks.
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Michael B.
11/16/2021
Very helpful when I was stressed out about my debts. Helped me build a plan and further my dollar.
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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.
