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
Max E.
1/25/2022
today, marks exactly 1 month since I have received my Certificate of Discharge in the matter of my bankruptcy (December 25th 2021) - None of this would have been possible if not for the compassion, respect, support, professional advise and guidance provided to me by Brett Nicholson and his team (Maryia & Judilyn) - I am forever grateful to them as my journey ended with a 'fresh start" - again thank you soo much .
Joane G.
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Wayne D.
3/12/2022
My Filing a Consumer Proposal was not as difficult as I had thought. (Billy) was very pleasant and explained everything to me. My first counselling session was great, and the questions were easy and straight forward. I would recommend this company . It's is surprising how less stressful you become once you know your are free of debt.
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Julie B.
12/30/2024
Doug was very kind and helpful. I was unsure of how to proceed with clearing my debts. Doug was very thorough; he explained the different options and I was able to make a decision based on my individual needs; making the process easy. I highly recommend connecting with Doug. I will refer friends/ family should they need any assistance in the future.
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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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C. C.
9/30/2020
I would like to take this opportunity to thank
Hoyes, Michalos and associates for their professional
support and guidance during this difficult times.
Their team is fantastic and extremely supportive.
Moreover, I would like to specifically commend
Scott Terrio for all his dedication and help.
Best regards,
CC
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Natasha C.
5/14/2019
Nicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He helped me through the process and made sure I understood and always gave clarification when needed. Highly recommend using Hoyes! Thank you again, Nicholas!
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Allison G.
3/26/2024
Ted & Meg have made this process amazingly easy and stress free!! I wish I hadn’t been so hesitant for so long to do a proposal! They have both be so friendly, and helpful… thank you guys!
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Riaz I.
4/29/2021
Can't recommend Brian enough for helping me with my situation. He was very approachable, understanding and had no issue or any judgements. He transparently explained the whole process and my options in a simple manner that made the whole process more comfortable. Even after the process was put in motion he's was always responsive and helpful with any questions I had.
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A G.
8/10/2020
I am so Thankful for all of Mark and Michele’s guidance. I would highly recommend them. Thank you for everything.
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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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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.
