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
Johnathon P.
11/17/2023
I received invaluable assistance from Mrs. Maureen Parent! Grateful for her support in helping me break free from debt for good. I highly recommend Hoyes, Michalos & Associates for anyone facing insolvency issues!
read moreread less
Aaron S.
5/10/2023
Nerve-racking situation to go through in general but I feel at ease with the Hoyes team helping me handle it. Brennan and Maureen are awesome and got me started on bettering my financial future. I'm glad I have such competent and considerate people in my corner as I go through this process. Thank You Hoyes, Michalos & Associates!
read moreread less
Chip P.
1/13/2021
Such professionalism from this firm to handle a delicate subject that is often hard to acknowledge.Taking the first step of initial contact is the most difficult step on a path to a resolution of financial problems. Take it and find out how easy it is to lift the burden of debt!
read moreread less
Veronica G.
12/13/2018
Hoyes,Michalos & Associates have been nothing but a lifeline for me in my financial mess. Each and every person I have met in their company has been upfront, caring and responsible in providing what i needed to know before any decision was made to resolve my financial issues. They have taken a great weight off my shoulders. Would highly recommend them to anyone who is needing another option for their financial debt.
read moreread less
Derek L.
5/07/2026
The staff is amazing very courteous. It’s like a huge weight has been lifted off my shoulders. I can actually breathe I highly recommend this..
read moreread less
Roderick W.
9/19/2021
They were very knowledgeable and helpful. Everyone seems willing to help. Sometimes I hesitated to call in because I’m dealing with very sensitive information and didn’t feel supported with respect to having changes on my account.
read moreread less
Rachelle J.
10/14/2022
Scott Terio and team are so great and helpful. One of the reason that convinced me right away for the proposal its because of Scott. He explained everything to me clearly. Everytime I have questions and confusion I can always reach out on him or anyone I spoke with the team were very helpful. Thank you for all your help. The team and service are excellent
read moreread less
Edmon
1/24/2024
I was struggling with debt issues and the pressure and stress of being unable to manage my finances. I contacted Hoyes, Michalos & Associates to assist me with this matter, and it was the best decision that I have ever made. Ian, is very knowledgeable, compassionate and understanding, with his expertise he guided me throughout the process with ease, he explained everything clearly and directed me to the right options that were best suited to my situation. I would highly recommend Hoyes, Michalos & Associates and especially Ian, for they are one of the top best companies out there. Thank you Ian for the tremendous support and superb service that you have provided to me and my family, we truly appreciate it.
read moreread less
Skye W.
3/11/2024
I have just successfully paid off all my debts thanks to Hoyes Michalos & Associates Inc!
Jason never hesitated to answer any questions I had and was able to explain the process in a way that was easy for me to understand. He was available whenever I needed support and now I have a huge weight lifted off my shoulders.
Customer service: 10/10
Efficiency: 10/10
read moreread less
MC S.
5/15/2025
We are incredibly grateful for the outstanding service we received throughout our consumer proposal process. From the first consultation, Brett Nicholson was professional, compassionate, and transparent. He took the time to understand our financial situation and worked with us to create a realistic repayment plan that suited our budget. He explained every step clearly, answered all our questions, and made a stressful situation feel manageable. Thanks to his support, we were able to regain control over our finances and start rebuilding our credit. I highly recommend their services to anyone facing financial hardship—they truly care and deliver results.
read moreread less
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.
