2549 User Reviews

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.

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Personal Bankruptcy

A legal process to eliminate debts, stop collection calls and give you a fresh start.

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Debt Consolidation

Compare options to combine debts into a single, lower monthly payment.

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Credit Counselling

Professional advice on budgeting, debt management, and more—we're here to give you debt solutions.

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Our licensed professionals will help you explore your debt relief options.

What our clients say

Mark K.

1/21/2020

I was in a bind and I really didn't know what to do. A friend told me about Hoyes. I made a call and went for a meeting with Jeff. He explained everything to me and basically left it to me to decide. I decided to go with his proposal and it has really eased the burden of all of those payments I was buried under. Thank you Jeff and everyone at Hoyes Niagara! I feel like I am on the right track now.
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Carol S.

11/19/2019

This was a very positive experience for me. I enjoyed working with everyone who helped me, and treated me in a professional manner.
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Denis D.

10/13/2020

I am so grateful for the outstanding support and assistance during a very trying time in my life. HOWARD and the wonderful team at Hoyes, Michalos and Associates were there to answer my questions and have paved a new path going forward. They have an incredible website and tools that will help me succeed in starting over following my consumer proposal. Thank you!!! Denis
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Omar F.

4/06/2024

Such an amazing company, with thoughtful and caring people. They greatly help me during my time of need. I would highly recommend.
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Karl F.

5/23/2025

Before I met Howard I was in a very difficult and stressful situation. and I keep searching online until I found his name as trustee who has excellent reviews, then I decided to contact him, we met for a free session to explain my situation and the options. He's honest and straightforward person. Since I met him I feel less stress and relieved. I highly recommended him if you have anything related to financial issues. Please don't hesitate to contact him and ask for his help.
I'm so grateful that I met him. Thank you so much Howard
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ReloxCH

1/11/2023

If you are struggling to pay your debts on time and having bad financial problems plz call Hoyes Michaos & Associates cause is the Answer. I was going through hell financially but seance I call Hoyes Michalos and put all my debts in one ,I get my life back .please call Hoyes Michàlos & Associates if you are struggling they will help you pay your debts in a wonderful way 😀
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Shiann M.

12/29/2023

Brian was great ! Explained everything I needed to know very thoroughly and answered all my questions . Communication was very quick and efficient. I didn’t feel uncomfortable talking about my debt at all . I highly recommend to use Hoyes and Michalos
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Karoline L.

8/24/2020

My husband and I really got ourselves into a mess while building our home. If it weren't for Jeff and his team, I'm not sure where we would be right now. So, thank you so much for helping us out and being so professional and courteous with us! Highly recommend.
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Kathleen T.

11/29/2022

I worked with Maureen and Brennan and they were both really good at putting my mind at ease. Filing a proposal was nerve-wracking, but they taught me a lot of things to help me shift my mindset about debt and proposals. Thank you so much for helping me start a new chapter of my life.
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Brianne

5/25/2021

Billy and Beau were amazing!! very professional and easy to talk to, would definitely recommend. They made going through this process so much easier and gave some great feedback and advice!
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