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
Heather b.
3/06/2025
Everyone i have spoken to has been absolutely amazing. This has been a very effortless and stress free process. Jamie has gone above and beyond making sure I am comfortable and understand absolutely everything.
10/10 would recommend to everyone
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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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Tina S.
10/13/2021
Easy to work with. Everything is explained thoroughly. You can call or email and get answers to all your questions.
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Kelsea L.
4/04/2023
I am so grateful I chose Hoyes, Michalos & associates to help me finally become debt free. They made my experience pain and stress free. Every question was answered and Im finally living debt free with a small bi-weekly payment.
I could not be happier with my experience with them!
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angelica a.
9/18/2023
Rebecca is a very professional and knowledge person. She let me feel very welcome and comfortable for the very beginning. I found peace of mind in my debt this is a great solution efficient and fast process in the resolution. Thank you I highly recommend
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Jackie S.
10/09/2024
My experience working with Maureen from Hoyes, Michalos & Associates was seriously life changing. I can’t thank her enough for her help, guidance, understanding and patience. Anyone in need of financial help needs to give Hoyes a call. Maureen, THANK YOU!
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Bazl S.
6/21/2021
Very professional yet also very friendly. I highly recommend this firm.
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Loft B.
12/21/2024
For anyone dealing with debt and the anxiety that comes with it, your solution is right here. I gave them a call, it was free, few days later, I regained my life back. It's that simple, they will help you, educate you and give you a fresh start stress free. Big thanks to Jamie for all the help and support.
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Shannon D.
12/18/2024
Couldn't have asked for a more seamless experience in handling my Consumer Proposal! Thank you to Ted and his team who were always very quick to respond and answered questions thoroughly and without judgement. Highly recommend their services.
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V K.
1/20/2023
Empathy, understanding and guiding hand - Scott Terrio from Hoyes, Michalos & Associates provided all three when I was looking for solutions when faced with financial problems. Scott explained how the process worked, recommended options and answered all questions with great patience. Thank you Scott for all your help, responsiveness and patience! Highly recommend Scott!!
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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.
