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
Joel H.
5/04/2026
My experience with Hoyes Michalos was great.it's a pleasure to work with this team.A big thanks to Shelly Ann and Jennifer.This company is a light in my darkness.
I highly recommend this team..
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Andrea L.
11/03/2023
I'm so thankful to Benny for helping me settle my debts and get a new start. I was so stressed by calls and emails. Benny helped me start the process right away and was very patient and supportive. I highly recommend him. He's been so helpful and patient all through. I can't wait for the time that I will be financially stable. Thank you so much.
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Denise L.
10/08/2025
Super easy & friendly to deal with. Always answered everything quickly and in a timely manner. Never questioned a thing with them and really help you understand your situation without making you feel small.
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Jennifer A.
2/29/2020
Always there when you need them with the answers you need. Patty and Howard have been a great help. Thank you both!!
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Barbara B.
1/06/2020
Please note this firm was most helpful in the consumer process and felt at ease with same. I would recommend this firm
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Jessica S.
1/17/2023
HOYES MICHALOS and Benny have helped me get out of debt that I wouldnt have been able to on my own. They cut my debt down to a third of what I owed and I am very greatful of that. I would reccomend this company to anybody else in my situation.Thanks for a wonderful service
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Deborah A.
12/04/2024
Jennifer Kwon was excellent. She was very helpful and gave me all the information I needed, answered all my questions and made me feel okay with doing the proposal. I highly recommend Hoyes, Michalos!
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Wrath O.
12/13/2022
Very professional and very efficient. The entire process was well explained and all questions were answered. If anyone I know ends up in the financial dilemma I found myself in, I know exactly where to direct them.
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Evren O.
5/27/2025
My experience with Hoyes Michalos has been nothing short of exceptional. From our very first meeting, I felt supported and never judged, despite feeling insecure about my lack of financial literacy at the time. The team was kind, flexible, and incredibly encouraging. They helped me realize that many Canadians simply aren’t aware of their options when it comes to managing debt.
Their compassionate and practical approach empowered me to better understand my financial situation and take meaningful steps forward. I’ve recommended Hoyes Michalos to countless people over the years, and having just completed my consumer proposal, I can say with confidence: there is a way through even the most difficult times.
A friend recommended Hoyes to me, and I only wish I’d known about them sooner. If you’re already financially savvy—amazing! But if you’re feeling overwhelmed or unsure how to handle a situation that’s gotten out of hand, do yourself a favour and call Hoyes Michalos. You won’t regret it.
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Katie H.
4/09/2021
Dealing with Billy was a pleasure. Extremely knowledgeable. Willing and able to answer all my questions. Was able to present me with my choices right away. I was never made to feel less then. Billy was really understanding. I now feel ready to get to where I want to be in life. Given that it’s COVID. Everything was done via email. All very easy to understand and complete. I will forever be thankful for all the help I reserved at Hoyes, Michalos & Associates
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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.
