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
Kerry P.
7/17/2023
I recently went through the consumer proposal procedure and was assisted by Mr. Jason Quinney. I'd want to share my great experience and strongly recommend their services to anyone in need of financial assistance.
The communication was excellent throughout the entire process. Jason was timely in responding to all of my questions and concerns. He provided detailed explanations, ensuring I understood what was happening at each level. I admired his commitment to keeping me informed and involved throughout the process.
My consumer proposal was accepted, and I am now on the road to financial recovery, thanks to his skill and guidance. I cannot describe how grateful I am for the assistance I received.
read moreread less
Nigel
6/08/2021
I cannot say enough great things about Hoyes, Michalos & Associates. I was in a really difficult position a few years back and the support, clarity and direction I received from Howard at the Brantford office was top level. Because of the professionalism and compassion I received from the very beginning, I had no shortage of motivation to improve my situation. I am so happy to say that I have overcome my debt and have developed great practices to stay financially healthy and proactive. I am so grateful for the Hoyes team. I want to especially thank Diane at the Kitchener location for taking time to sit down with me and follow up. Her experience, kind nature and passion for what she does is amazing! So grateful for the hardworking people at Hoyes, Michalos & Associates. :)
read moreread less
Eyebrows M.
11/26/2020
Very informative and helpful. If you have ANY questions about debt relief, you need to call Hoyes, Michalos & Associates immediately and they will help you get your life back on track!!
read moreread less
Johnny R.
1/18/2023
Cannot recommend Hoyes, Michalos & Associates enough. A couple friends had used and recommended as they both had great experiences. As did I! Sandra was beyond helpful and gave me so much clarity as to what I needed to do to gain control of my debt. Do not hesitate if you need to file for bankruptcy or a consumer proposal. Thanks again!
read moreread less
Ronald G.
7/22/2021
Fast easy and mind easing. Is a weight off my shoulders to be able to repay a debt during a difficult time in my life. Better than filing bankruptcy, the staff are knowledgeable, friendly and accommodate to your needs. Yes I would 100% recommend Hoyes.
read moreread less
David B.
12/23/2020
I have had an excellent experience, working with Mark Borysiak and Hoyes Micholas.. I was really nervous at the beginning of the process but Mark made me feel completely at ease and valued. He took the time to patiently explain my options. He answered all of my questions and continues to be available as needed. I feel like a big weight has been lifted off of my shoulders. I highly recommend, this company and especially Mark.
read moreread less
Jessica C.
7/19/2023
Rebecca Martyn is wonderful. She is a very caring, sensitive and knowledgeable person. She always responds quickly and effectively to any of your questions or concerns.
I highly recommend her for your financial matters.
read moreread less
Beverley L.
11/20/2019
I had been struggling with debt since 2017 when my Husband and I separated~ I was able to keep up until I retired and my income was substantially lower. I researched and read every article that I could find on what I could do~~ After all my research with the various companies offering to help with debt relief, I decided to speak with the people at Hoyes, Michalos in St Catharines, everything was explained to me in language that I could understand and the various options were presented at the first meeting. They are all wonderful and made me feel very comfortable instead of embarrassed. I decided to go with a Consumer Proposal and they did everything for me~~ I will be paying it for 5 years but it is only one third of what I owed, so at the end of it I will have paid my creditors something and I will then be debt free~~ I can never Thank them enough 😊
read moreread less
Sassy V.
11/18/2022
Truly a life changing decision for me . I wish i could have applied earlier. Been in in the toughest time of my life ,Ted is very helpful and making the applications a lot easier without any judgement.Meg is just amazing for counseling. Truly grateful for these team.
read moreread less
Ousmane S.
2/18/2023
My experience with Hoyes Michalos is just wonderful particularly with Jason Quinney a true professional. Nothing else i can add beside the the fact that he knows a lot to make you have better financial decisions for your future. Plus he is so easy to talk to him as he has shown me that he is always available to help.
read moreread less
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.
