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
Stephen S.
5/16/2023
I had a great experience. I was very unsure about the whole situation I got myself into and thought there was no hope for me to get out of debt , they did a fantastic job and I would highly recommend them
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Lenore N.
10/21/2022
It's not scary, it's not forever, but killing your mental health paying back debt might.
Get over the old school guilt...its not grandma's money you owe..its a banks
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Maria C.
9/17/2024
I worked my case with the support of Sandra Sykora, and I can't thank you enough for the great support that she provided to me throughout the financial aid. Not only my case was completed successfully by a highly experienced professional but also a person who dedicates time and listening to your needs and goals and is kind towards your personal situation because it's stressful to face financial difficulties. Throughout the time, Sandra was clear, honest, supportive and encouraging. If you want the best people to work on your financial matters, look no more!
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Jean G.
10/12/2022
I had a wonderful experience with Meg, and Ted. They went over and above to make my stressful debt manageable. They really care and took good care of me and my finances.
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Judy C.
5/08/2021
Using this company was the best choice I could ever have made!!! I came to them when my financial situation was in quite a difficult place, they took the time to explain so that I understood as well as walked me through every step of the way!!! My advisor Jason was fantastic, very detailed and professional
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Jose I.
2/13/2021
2020 is been rough for my family especially with our finances. Everything seems spiralling down until me and my wife found Hoyes Michalos. Jason and his team saved my family. If your back is against the wall dealing with debts, they are the best company you can trust. Whether bankruptcy or consolidation, or anything about fixing your debt and finances, Hoyes Michalos is the place you can trust. So what are you waiting for? Stop all your worries and contact Hoyes Michalos, and be worry-free like me. Special thanks to Jason!
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Bronx D.
3/07/2021
Amazing...Diane went above and beyond...kept me updated every step of the way...Resolved issues that arose years after file was closed...Highly recommended 😁
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Marc S.
2/09/2022
Hoyes Michalos & Associates was a great help to me from the moment I first contacted them about getting my debt under control. Trustee Sandra Sykora and her team were knowledgeable, courteous, considerate, and concise in their guidance and support, and were able to give me invaluable insight into rebuilding my credit and getting me back in control of my finances. Superb service all around - thank you! :)
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Karo W.
11/04/2021
Look no further if you are seeking help with your financial situation. In my opinion Hoyes is unquestionably the best. Joel and Heather are super people... empathetic, knowledgeable and efficient. Thank you, thank you, thank you for your kindness and great advice in helping us to get our finances under control.
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Larry B.
8/06/2020
I’m so grateful to the professional team at Hoyes with their guidance and help they’ve provided me. I would definitely recommend their team to anyone looking for help and rest assured they would do their best in providing you the best support needed to address your concerns to get you back on track. Thank you again!
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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.
