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
crystal m.
11/13/2019
I have had nothing but positive things to say about this company! I dealt with the Burlington location. I had the pleasure of dealing with Peter and William and I can honestly say that with their help I am in a much better place financially then I have been in a long time! They take their time with you an make sure you understand every step throughout the process. Then there was the credit counselling appointments which sound a little intimidating at first but I can honestly say that I was so motivated after each appointment, I wish there was more!! They treat you like a real person, not just a client, they truly care for you and your financial situations and finding solutions for you that actually work in real life!! I am very thankful that I decided to email this office just for some information and got a real solution and a huge weight off my shoulders!!! Thank you to Peter and William.
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G T.
5/25/2020
I was afraid to start my process. Once I called and had my meeting, Rebecca and staff made me feel very comfortable and welcome. They always answered any questions that I had. They were very informative and helpful in the entire process. Dealing with the Windsor staff was a great experience and made me feel great to have a fresh start. Thank you once again.
GT
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Alex A.
11/12/2019
Rebecca was extremely knowledgable and made the entire process clear and easy. I would highly recommend Hoyes and Michalos to anyone seeking an insolvency trustee.
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Kratos S.
11/12/2019
Couldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I must say I am feeling 100% then when I first came to their office. I will continue to use them and will refer any and all to them that need help in the fields that they professionally provide.
Cant say thanks enough!
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G D.
1/14/2021
The staff here are very professional and compassionate about what they do. They walked my wife and I through a difficult period in our life and helped us get everything back together again. We are now debt-free with a level of stability and savings we never thought would be possible.
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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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Patrick D.
1/16/2025
Just got the news yesterday that my proposal was accepted by my creditors. This was too easy. I should have done this a lot sooner. I could have lost everything. From the first phone call I made to the end, they made everything simple for me. I just want to thank everyone for helping me keep my house, car, retirement savings, regaining control of my finances and taking away my stress.
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Michael H.
2/02/2021
Very friendly, responsive and extremely helpful. If you are stressed out, feeling overwhelmed and need some help. Then you have to reach out. I wish that I would have done this earlier.
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Ian P.
7/29/2020
These wonderful people helped me immensly. Definitely a team you want on your side.
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BJ T.
6/12/2026
I had the pleasure of working with Jennifer Kwon for my Consumer Proposal. Admittedly, the process is intimidating to start, but Jennifer and her team made the entire process a great experience. There was no concern or question I had that wasn’t answered in a timely manner, and the kindness of Jennifer and her team went a long way towards making this experience a positive one. I cannot recommend them enough.
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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.
