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
esther o.
3/09/2023
Twice now Hoyes, Michalos and associates has settled my debt by making an affordable payment plan on my behalf with my creditor/collection agency. I'm so excited because soon I will be debt free and all thanks to Sandra Sykora ,she has been so amazing , non judgemental and always available to address all my concerns. She has been dealing with my creditors on my behalf. If you have any debt and can't afford to pay, collection is calling you and threatening you than you should call Hoyes, Michalos and associates ASAP.
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Rashid M.
12/02/2025
I had an excellent experience working with Hoyes Michalos on my consumer proposal. Benny was professional, knowledgeable, and very supportive throughout the entire process. He explained every step clearly and helped me feel confident about the decisions I was making. The team handled everything with care and understanding, making a stressful financial situation much more manageable. I truly appreciate their efforts in getting the proposal accepted and would highly recommend their services to anyone needing help with debt solutions.
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Robbie A.
6/29/2020
Tremendous support and help when it was needed most! Especially Rebecca Martyn in Windsor!!
Thanks again for everything!
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Will H.
11/20/2020
Brett has been wonderful to work with. He really put me at ease about everything. I’d highly recommend!!
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Josephine
7/15/2020
Going to Hoyes, Michalos & Associates Inc. is the best choice that I have ever made. They were very courteous and helpful to my situation. They answered and addressed all my questions and concerns I had about my situation. I was recommended to have Hoyes, Michalos & Associates Inc. help me out and I am really glad I made the choice.
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Justin T.
5/06/2022
Working with Maureen was a blessing. She was honest, upfront and sincere and was able to set my mind at ease. Easy to talk to and I couldn't ask for a better experience with such a sensitive matter. Truly appreciate the help. I would recommend her to anyone any day of the week. Thank you Maureen!
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joann g.
2/13/2020
The staff were understanding and professional. I felt at ease talking to Heather. It is not an easy decision to go bankrupt but sometimes it has to be done. If your considering a company to talk to choose this company. You will finally get some peace of mind.
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Eric D.
1/21/2021
I’m so happy to have contacted hoyes. The stress reduction in my life has given me a positive financial outlook for my future. I wish I had started a consumer proposal earlier!! Everybody I’ve dealt with has been an amazing help.
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Tonia M.
3/09/2026
They are wonderful! Very comforting to have a team handling my debts and taking care of everything involved. Not having creditors calling and sending threatening emails and messages is such a relief. They made sure the payments were manageable and the financial support after is greatly appreciated. Would highly recommend them to anyone needing help in this way!
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Loft B.
12/21/2024
For anyone dealing with debt and the anxiety that comes with it, your solution is right here. I gave them a call, it was free, few days later, I regained my life back. It's that simple, they will help you, educate you and give you a fresh start stress free. Big thanks to Jamie for all the help and support.
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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.
