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.
Our licensed professionals will help you explore your debt relief options.
What our clients say
Kevin M.
7/12/2021
Very helpful and professional. Willing to go the extra distance to help you solve any issues
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Gee D.
6/23/2019
Peter helped us understand on what we can do about our debts. He is very thorough and organized. When we decided to talk to him, he enlightened us and guided us along the way. Truly a professional one. No judgment, just pure help. Thank you Peter.
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Brian B.
7/20/2024
Huge thanks to Jason and the team at Hoyes Michalos. The process was very easy and they have supported me every step of the way. If ever any company deserved a 5 star review its these guys. Highly recommended.
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John M.
9/06/2022
Very helpful phone conversation led me to choose hoyes ,everything was explained in easy terms, I would not hesitate to recommend their services
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Jenny J.
11/20/2020
They are very knowledgeable. Helpful and always there for you when call or email. Always prompt. I trust them. I dealt with Diana Wong and she is Amazing.
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Wen C.
11/08/2021
Sharing experiences.
Nicholas so kind and working for us sooo patiently.
Cause of we are not good at English.
Now we learned lots about debts and rebuild credits etc.
And the debt relief proposal is real things.
As first I was suspecting it.
But it really really really real have.
Thanks Nicholas. For helping us.
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natasha f.
4/19/2021
I had the pleasure of working with Mark. I monopolized hours of his time asking questions and never felt rushed. I work in the law field and had a general understanding of the process but to say he was completely transparent is an understatement. I was very skeptical of dealing with a trustee as I have heard many horror stories. Mark made the process a complete breeze. I am so thankful for the fresh start . Thank you for everything.
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V G.
5/01/2022
The economic constraints of the COVID-19 pandemic impacted me greatly. I am very pleased to now be a client of Hoyes, Michalos and Associates. My trustee is patient and very knowledgeable. She has provided me with a measurable approach to financial freedom, without having to file for personal bankruptsy. We were able to work with my debtors with a consumer proposal. I am well on my way to fulfilling my goals. Thank you!
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Petra A.
12/13/2022
Scott and Doug were both great, informative, nonjudgmental, and helpful in getting me a very fair deal for my consumer proposal and a huge weight has been lifted in terms of my debt management thanks to them and their organization. Highly recommend!
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Melissa H.
6/20/2024
My experience has been fantastic!! Billy is absolutely excellent from the very beginning in helping me to get my life back. He is very knowledge and made me feel like a huge weight has been lifted from my shoulders. Thank you Billy!!
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We help you get out of debt
We can help you eliminate most types of unsecured debts, including:
credit card debt
payday loans
tax debt
loans and overdue bills
student debt
Need debt relief help?
Arrange a free consultation in any of our locations accross Ontario today.
