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
Carol M.
12/18/2023
Scott and team gave me to opportunity to start fresh with my finances after a rough time after I lost my job after Covid! A special thank you to Scott for all the info he gave me to ensure I made the best decision for me. I highly recommend to anyone who feels like financial freedom is impossible! Make the call!
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W B.
5/25/2022
What can be said. What seemed so daunting turned out to be a miracle solution in the form of a Consumer Proposal. Jason was a champ, being completely non-judgmental and confident. Do not hesitate to call them if the pressure is mounting. You'll be forever grateful you did. 5☆
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Nino G.
9/15/2020
Benny and his team did a Awesome work on my proposal I am Greatful for your support. And now I'm stress free I encourage anyone to seek help if you are financial trouble with your debt there's nothing to lose and remember there's always hope once again Thank you so much Hoyes Michalos & Associates Inc.
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Sarah
1/31/2024
Maureen has been fantastic, knowledgeable and fun to work with the past few months as I navigate the fresh start she’s helped me work towards. Hoyes, Michalos is a resourceful firm happy to help you with any debt concerns or needs that you might have.
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DC
11/09/2022
Nicholas is amazing; he is really knowledgeable and has helped me get through a difficult time.
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Lori C.
8/11/2020
Excellent service and very professional !
I was scared and apprehensive, the team at Hoyes Michalos put my mind at ease and walked me through each step. Thank you all so much and a huge thank you to Brennan !
I Truly recommend Hoyes Michalos
Hands down!
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Mike
2/06/2023
Absolutely fantastic professional service. I was obviously very hesitant about the process but Kristen was beyond easy to deal with and extremely knowledgeable. 100% recommend dealing with HM&A.
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escott60
11/11/2020
Our whole experience has been amazing. From helping put out minds at east to helping us through the whole process all while still doing so during this COVID-19 times . Everything was well communicated and extremely helpful. I always felt like I could ask a question at any time and was often encouraged to do so. The amount of stress that was taken off of our shoulders has been wonderful. The tools given to us to better our ways of spending and saving have been absolutely amazing
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Shawn G.
1/20/2025
Amazing to deal with.Very helpful and knowledgeable. Extremely friendly staff. Made a difficult experience seem so much better... Thanks
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Ana D.
10/18/2021
Maureen has been amazing through this entire process. She has helped my family without judgement. She has made everything so simple and stress free. Our only regret is waiting so long before contacting Hoyes, Michalos & Associates
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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.
