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.
Our licensed professionals will help you explore your debt relief options.
What our clients say
solo o.
3/31/2020
Doug is beyond wonderful. The entire company is highly recommended during the stressful experience during someone’s life that can be a bankruptcy filing. They maintain contact promptly and guide you through the entire process. They are highly professional and knowledgeable and highly recommended.
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Mark D.
2/28/2026
I recently started using their services to better my financial situation. Jason has been very helpful so far, and transparent about all the steps. Life already less stressful and manageable. I have Jason to thank for this.
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Momma C.
10/30/2019
It's hard for me to say I need help. Pride? Idk, but this firm was very helpful with advice and guidance. I never once felt ashamed or embarrassed. The relief I felt afterwards was awesome.
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Rachel W.
10/06/2023
Coming from someone who had Zero expectations and zero knowledge, Benny was very helpful and informative from the start. The whole process was very quick and easy, with no issues and great communication. Highly recommend.
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Rosie-Ann “.
2/23/2021
Hoyes did an excellent job. I highly recommend them to whoever is going through financial hardship. Benny, Janette and Cristina had excellent communication skills. They listened, understood and kind. Always on the ball. They go through everything with you. Didn’t miss a beat. Quick to respond to calls and emails. Great work you guys.
Keep it up. Definitely hard to find people like you all.
👍🏾👍🏾👍🏾
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michelle m.
6/20/2022
I have been with this company for my 5 yrs. the experience was hard for me and I was a mess by the time I made to their office. They kind and thoughtful and walked me through the whole process. I will forever be thankful for all they have done for me. I would definitely recommend this to anyone
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me B.
6/11/2020
Benny Mendlowitz is an excellent licensed insolvency trustee, he has a very calming, non judgemental presence and is incredibly knowledgeable in his field. I specifically sought out Benny because of the many great reviews on here and I am happy to say that they are all accurate.
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Shazia S.
7/14/2021
When I first contacted Hoyes Michalos ,I was scared and unsure of what to do with my finance as my life had change quite a lot in pandemic.When I spoke to Howard a month ago ,he explained to me what my opinions were.It was my decision and he fully supported my decision. Today I had my first counselling with Patty and the relief I felt at the end of our appointment was amazing.
All of the team reply to emails so promptly with satisfying answers as if they are texting you back.Everything fells into place and I’m grateful to meet Howard and Patty and thought of taking few minutes to appreciate their excellent service. Second counseling was great too .
Thank you Patty and Howard.
Shazia .
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Deneika M.
3/17/2021
I stepped into Brian’s office a few years ago and I was extremely stressed due to my debts. Brian and his team were very helpful from the beginning and straight through to the end. Whenever I had any concerns regarding my payment or my consumer proposals they were readily available. A lot of people tend to suffer in silence because they fear being judged, what I will say is we all make mistakes and Brian and team will not judge you. Instead they will quickly and respectfully help you get back to your financial freedom. Thank you a lot Brian! You changed my life.
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Munro B.
1/05/2021
I would like to keep my exact business with Hoyes as private as possible. However I would highly recommend this firm. Twice in the last year I had to phone for help and someone from their staff always gets back to me within a couple of hours tops ! They explained the legal matters to me so they made sense. Check them out.
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We help you get out of debt
We can help you eliminate most types of unsecured debts, including:
credit card debt
payday loans
tax debt
loans and overdue bills
student debt
Need debt relief help?
Arrange a free consultation in any of our locations accross Ontario today.