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
Eric M.
5/14/2019
Excellent and understanding stuff members. They will listen to you and give the best option for you. I am very happy of Hoyes, Michalos & Associates Inc. and would refer them to anyone.
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Muhammad B.
6/13/2020
Jason Quinney from (Hoyes, Michalos and Associates Inc) has helped me when i was in a very bad financial place in my life.
Him and his team have really great with me from the very first time i walked in there office they are very professional.
Jason have given me great advice and answer all of my question when i asked them. Which lead me to make a proper decision about my finances.
If you are in any financial problem please vist them, they will help you the same professional way they helped me.
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Mandy C.
5/07/2020
Nicholas was very comforting and understanding. When you turn to them times are hard already. Its nice to hear someone say it'll be ok.
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Russell
6/16/2022
If you're someone considering a consumer proposal or bankruptcy, I definitely recommend Hoyes as a good place to go for information and help regarding that issue. Everyone I have talked to has been super helpful in educating me. If you're not sure what to do, just ask to speak to someone. They are wonderful people. Thank you to Janette, Benny and Brennan. I appreciate all their help, and what Hoyes, Michalos & Associates is here for.
EDIT: 2022-06-16. I have now officially finished my personal bankruptcy, and everything above still applies. Talk to them, let them know what is going on. I know what it's like to want to avoid phone calls and talking about your finances. They're here to help. It's a process that feels long, but it'll be finished before you know it. Do not be afraid to ask questions either, they are smart, kind people who understand the issues we face regarding personal finance. They are on your side.
Thank you guys, I appreciate everything.
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Arthur T.
4/09/2021
Mark was extremely understanding and professional. Made this tough situation that much easier. Was very helpful in making the whole process effortless and was available at all times for questions or inquiries. I would highly recommend Hoyes, Michalos & Associates to everyone. Thanks Mark I greatly appreciate it.
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Emalene C.
9/10/2020
Amazing company, everybody I have talked to has been incredibly helpful.
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Francis A.
5/23/2022
I had actually thought the processes would be stressful. Ian martins took it step by step and make sure i understood every aspect and what i am committing into. I was that so relieved and put off that fearful moment of my life each time my phones rings from the creditors. The advice Ian gave is developing me to another fresh savings life that i can bank on in an emergency situations. I am now a new being, and i hope to work in paying off my shared part before the extended years.
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Anna C.
5/15/2020
The people at Hoyes, Michalos & Associates Inc. are very friendly & understanding. They try to help in any way possible. It has been a big relief for both my husband & I since our consumer proposal started. Thank you!
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Jan O.
10/12/2019
They made the process fast, seamless and stress-free. Highly recommend.
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Lisa M.
3/13/2017
Excellent staff. Very knowledgeable and helpful.
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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.
