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
Jose I.
2/13/2021
2020 is been rough for my family especially with our finances. Everything seems spiralling down until me and my wife found Hoyes Michalos. Jason and his team saved my family. If your back is against the wall dealing with debts, they are the best company you can trust. Whether bankruptcy or consolidation, or anything about fixing your debt and finances, Hoyes Michalos is the place you can trust. So what are you waiting for? Stop all your worries and contact Hoyes Michalos, and be worry-free like me. Special thanks to Jason!
read moreread less
A G.
9/11/2020
Got an appointment to talk about my credit score right away. Diane C helped me get my credit report fixed of errors and she even found errors that I didn't notice. If it wasn't for her they would have continued to hurt my credit score. She did everything for me, explained what was being done, answered all my questions, gave me excellent advice on how to proceed in the future, and she was fun to talk to too! Thanks Diane!
read moreread less
Jordan A.
7/28/2020
They have been so helpful! They make a super stressful situation so much earlier.
read moreread less
TORSA691008
1/01/2026
I am very thankful for the way I was treated, for the understanding attitude and the prompt result. Thank you very much. I truly recommend this firm!
read moreread less
shelbie K.
9/09/2021
Hoyes has helped me feel stress free and help relieve me from my debt, and just so much more!! the people are so incredibly nice and always have a smile to greet you and laugh with you !! I’m so thankful for hoyes!!
read moreread less
A G.
2/03/2020
Life changing experience by using the services from Hoyes, Michalos and Associates. Their staff in all departments helped me along the way through my bankrupcy and becoming debt free. All of my questions, concerns and worries were addressed over the past year and I am very happy with the outcome and my new lease on life. A huge weight off my shoulders and I have been given a second change. Great staff and would recommend their services to anyone in need of help or guidance with dealing with personal or business debt.
read moreread less
stephanie k.
5/07/2024
Hoyes, Michalos & Associates had made it so easy for me to free myself from my debts! They were also the only company who made me feel like they cared about what was best for me and my situation which is why it was easy to make the choice to go with them. Scott is my broker and he is amazing and thorough and does anything he can to make it easier on me. I am very happy and highly recommend!
read moreread less
Tracie H.
11/03/2020
I highly recommend Hoyes,Michalos & Associates.They helped me figure out the best solution to dealing with my debt.I walked in there feeling ashamed that I let it get so bad, but I walked out feeling relieved.I was relieved knowing that Hoyes & Michalos was prepared to clean up my mess.They are fabulous people willing to help.You just have to take that first step and ask.My advice to you is Get over feeling ashamed.Don’t worry about what other people think of you going bankrupt.You’re doing this for you not them.I’m grateful to be debt free now and given a chance to make wiser choices.😊
read moreread less
Dave C.
9/30/2020
Very informative and helpful. I will be more than happy to inform and refer to my friends and family etc...
read moreread less
Cathy R.
9/05/2023
They are very professional and informative making me feel comfortable in a very stressful time in my life.
My consultant Mark was very helpful, making himself available anytime I had questions and explained everything so I could understand it.
I so appreciated his patience and help.
I highly recommend this company.
I am now getting on with life.
Thank you Mark.
read moreread less
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.