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
Dave W.
3/19/2022
Extremely polite people that seem to genuinely want to help people out of bad situations. After the first call I had with them I felt immediately at peace knowing there was someone willing to help me. 3 thumbs up
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Mateo D.
5/26/2024
They were great to deal with. Mark specially was very informative and super helpful. He made our experience very comfortable and easy to manage. I would definitely recommend them.
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gabor s.
11/11/2020
Mark is very professional who helps lot of family with a fresh start.explains all the suitable options and gets it done.
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Crystal E.
7/25/2020
Tina was amazing today. She helped me through my second counselling session and gave me some helpful tips for when it comes to rebuilding my credit. Thank you to the whole team who has helped me through my bankruptcy and now my consumer proposal. You guys are awesome and very helpful when it comes to deciding what to do when it comes to debts and finances
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Cher G.
6/01/2023
This business is very helpful they understood what I needed. Billy was so easy to work with answered all my questions and is very informative. They are very welcoming and friendly. They have locations that are very easy to find and are willing to work around your schedule they make life easy for you.
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Rachelle w.
1/14/2024
Maureen Parent helped me to file a consumer proposal with approval. She was able to put me at ease is will the stress by walking me through step by step from start to finish. I am now on a path to becoming debt free. Thank you!
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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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Tapuwa C.
12/05/2021
They really are amazing. The are fast when it comes to responding,they will guide you thru the process and make sure you understand. Amazing amazing amazing. Now l know better when it comes to spending and they also provide you with counseling to help you get back to doing good for yourself. I sleep better knowing l have alot l need to do but have the tools and skills to get there. So big thank you from me for the help they are providing for me. I recommend you give them a call there energy is very welcoming. Stay blessed.🙏
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Jeffrey L.
4/01/2024
I had a wonderful and easy experience working with Jennifer and her team at Hoyes, Michael's & Associates. I highly recommend using them if you encounter any debt difficulties.
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Robin P.
7/03/2020
Excellent service! Great people, very helpful and friendly.
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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.
