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
Ian P.
7/29/2020
These wonderful people helped me immensly. Definitely a team you want on your side.
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Badrudduza C.
6/14/2024
I had received an awesome support from my trustee and his colleagues. They offered all kinds of support, counselling, advice during the period of my proposal. I really am indebted to them and recommend anybody who needs this support.
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Laura S.
12/21/2020
I would recommend highly the services here in Barrie. Mark and Michelle have made me feel so comfortable at a time of discomfort in my life. They both put me at ease and have helped me to rebuild my financial start to recovery.
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Marwan M.
5/09/2023
Compared to other companies I called, Hoyes Michalos was by far the most honest and reasonable, and was able to get me the best proposal based on my financial situation. Scott responded to my questions promptly and addressed my concerns with clarity and understanding. He is knowledgeable, honest, and understanding.
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A. B.
6/06/2023
This office helped me in ways I could not have imagined. I had reached out to them to bounce off a question I had about managing debt. Ian listened to my question and then he asked about my full situation, he listened through it all. Ian provided me with an answer to my question as well as some provided me with some options that I did not even know existed. Because of his recommendations I decided to go a different route in managing my debt than what I had originally intended to do, which was amazing! Not only was the process simple it was also seamless. The stress and pressures are now off my shoulders and I can actually start to live life with possibility and hope. Hoyes Michalos stepped in and stepped up to help me on my journey of becoming debt free. If I could, I would give them 10 stars for amazing service, great options, and the added support I needed.
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Alan S.
11/26/2025
8 years ago I seen these great people. Changed my life and how I manage money. Since than I purchased a home. 4 years ago. I couldn’t do it without these folks. If you’re thinking about it, These guys are here to help you , they helped me
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Kamalesh R.
10/06/2025
I had an excellent experience with Hoyes, Michalos & Associates. The entire process was explained clearly, and I always felt supported throughout.
Jason, in particular, was incredibly helpful — he guided me step by step with patience and professionalism. He helped me in solving my debt and made sure all my questions were answered. Everything was handled smoothly and efficiently.
Thanks to his efforts, the process was completely stress-free.
I truly appreciate the support and would gladly recommend Hoyes, Michalos & Associates, especially Jason, to anyone in need of debt relief or financial assistance.
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Lori L.
6/01/2020
I was in a difficult situation and was referred to Hoyes, Michalos in Barrie. Michele was very professional, and sympathetic to my situation and worked with me resolve my debts. I highly recommend this firm to assist anyone who finds themselves in a situation they just cannot get out from.
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Philip C.
8/21/2019
Extremely helpful and easy to speak with. (As well, very easy to contact)
I sat down with them in 2015 and they went over plans and options step by step on dealing with my debt situation, making everything clear and concise. In the end they helped work out a plan that worked for me in my situation, and I'm happy to say that I'm now debt free! Very happy I chose Hoyes, Michalos!
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scott m.
4/17/2024
They are simply the best of the best. I would highly recommend them hands down. Very friendly and knowledgeable staff. Look no further. This is the real deal
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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.
