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
MIKE P.
3/26/2021
I spoke with Mark today in an arranged telephone interview. Mark had no problem with answering any questions that I had. The only issue is that I believe that I was on speaker phone and it kept fading in and out making Mark had to understand. The phone appointment was very punctual and being that I am a truck driver, I don't like waiting. Thanks Mark.
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dan w.
4/08/2021
I got into a pickle and got in over my head in debt. I called Hoyes, Michalos and Associates. I talked to Rebecca and had a good conversation to get the ball rolling in getting my life back together. She was very helpful in going through the process in getting rid of my debt. If anyone needs help in this situation don't hesitate to call they are very nice and professional.
Dan Whitesell
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Mark J.
9/12/2019
Hello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They made us feel calm and took care of everything with a professional approach. We both were very happy with their service to us.
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Jonathan A.
9/04/2026
Gary Dias was a huge help during what is/was honestly a very stressful and overwhelming time for me. He made the entire consumer proposal process feel much simpler and less intimidating than I expected.
Gary was always patient, approachable, and quick to communicate. He took the time to explain things clearly and made me feel like I was in good hands throughout the process. I genuinely appreciate all the help and support he provided.
He did an excellent job, and I would highly recommend Gary to anyone who finds themselves in a similar situation.
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Miriam
12/16/2020
Wonderful service, and very professional. Helped me make my unfortunate situation feel a lot less stressful. I appreciate Hoyes, Michalos & Associates for making me feel important to them every single time I contacted them for help. Thank you to all the associates that help with a warm smile you can hear through the phone. 5/5
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Samantha E.
1/11/2021
I was really stressed about my debt. I was going to file for bankruptcy. But after talking with Benny, we decided that a consumer proposal would be best. After my meeting I felt relieved and happy. I would recommend them if you are looking to file for a consumer proposal or bankruptcy. 🙂🙂🙂
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Ejaz A.
8/09/2024
Miss Maureen is really helpful, concerning and kind, the way she explains everything, is great. I wish her all the best.
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Terri L.
9/30/2024
Maureen is absolutely amazing. Super kind and respectful! She didn't make me feel bad for my situation and truly helped me sleep better at night.
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K F.
10/27/2022
Mark at Hoyes has been excellent at explaining everything to us, going over all the details. We feel so relieved to have the help to get us out of debt - we wish we had asked for help a long time ago! Thank you Hoyes :)
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Lenny “.
1/06/2025
The experience that I had with Hoyes, Michalos & Associates had literally changed my life and my way of thinking about credit. Scott Schaefer had so generously taken the time to talk with me on 2 occasions; and he had kept in touch with me to help me to find out the best solution for my credit situation. His help was priceless, and I now know the best course of action to take thanks to his incredible knowledge and unending patience for me and my needs. I HIGHLY recommend Hoyes, Michalos & Associates, and I happily and confidently rate them a total of 10 STARS: 5 stars for Hoyes, Michalos & Associates and another 5 stars for Scott! Many thanks! 👍👍👍
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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.
