2549 User Reviews

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.

Learn More

Personal Bankruptcy

A legal process to eliminate debts, stop collection calls and give you a fresh start.

Learn More

Debt Consolidation

Compare options to combine debts into a single, lower monthly payment.

Learn More

Credit Counselling

Professional advice on budgeting, debt management, and more—we're here to give you debt solutions.

Learn More

Our licensed professionals will help you explore your debt relief options.

What our clients say

country

11/20/2022

This company is amazing. They helped me settle over 100 grand iof debt with just 18 grand. I am forever grateful for them. If you need help getting out of debt, you really should make that first step and call them
read moreread less
Jocelyn S.

4/23/2024

They were so helpful and respectful in helping me with my situation. And guided me every step of the way, to help me get on track with my life. Thank you for everything you guys have done
read moreread less
Andrew B.

3/10/2025

I am extremely grateful to Hoyes Michalos, especially Billy, for their outstanding support during my consumer proposal process. From the very first consultation, everything was explained clearly, and I felt reassured knowing I was in good hands.

Billy was always professional, patient, and ready to answer all my questions. The process was smooth, and I received all the necessary guidance every step of the way. I highly recommend Hoyes Michalos to anyone facing financial difficulties. Their expertise and dedication truly make a difference!
read moreread less
Natasha C.

5/14/2019

Nicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He helped me through the process and made sure I understood and always gave clarification when needed. Highly recommend using Hoyes! Thank you again, Nicholas!
read moreread less
Jorge D.

10/17/2019

I would like to mention that Hoyes, Michalos & Associates Inc. has given me a excellent experience with my debt situation and also gave me courage in life. $$$$ Jorge Dutra
read moreread less
Cathy H.

6/24/2020

I was very impressed from the beginning of the first consultation i had to the very end. It put my mind more at ease. They helped me get me financial debt in order again. Very Professional. Credit Counseling was a great thing to have as well. Great guidance and advice.Thank you to you all.
read moreread less
Heather M.

1/20/2021

I reached out as soon as I lost my job during covid and they helped me choose my best option and got the ball rolling very quickly. Very professional and helpful.
read moreread less
Michael H.

2/02/2021

Very friendly, responsive and extremely helpful. If you are stressed out, feeling overwhelmed and need some help. Then you have to reach out. I wish that I would have done this earlier.
read moreread less
Kim W.

1/03/2024

I am almost a year and a half into my consumer proposal, and so far I feel it is the best thing I have done since graduating university. I had immense amounts of student debt through lines of credit and loans, and after completing the cp and paying some of that off, I finally feel like there is a possible future for me. Hoyes, Michalos & Associates have been helpful and communicative in navigating the process; I even enjoyed the financial consulting classes I had to do. Highly recommend!
read moreread less
ARIO

4/17/2023

I want to thank Maureen Parent and Brenan for their kind help and support in this difficult times. They are pretty quick and accurate in what they do and I felt quite confident throughout the process. I was really stressed out for my financial situation and I found lots of support and great advice from them which I appreciate so much. Very professional, knowledgeable, and friendly people. I recommend their services for sure to friends.
read moreread less