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
Matthew d.
11/12/2021
I would like to thank Hoyes, Michalos, & Associates Inc. for being here for people who are overwhelmed by debt. I received nothing, but the best advice and help. Scott Terrio is amazing at making you feel comfortable and secure. He is knowledgeable and will create the best plan possible. I would also like to thank Doug for everything. I highly recommend Hoyes, Michalos, & Associates Inc. for debt solutions. They are the best and have the best team.
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Jennifer A.
2/29/2020
Always there when you need them with the answers you need. Patty and Howard have been a great help. Thank you both!!
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Dave L.
2/09/2025
Jason at Hoyes, Michalos & Associates was very knowledgeable and very down to the point with all the information i needed to get my life back on track. I've been struggling for years and within a couple of months after taking the first steps on meeting with Jason my life has done a 360. I would definitely recommend the Hoyes, Michalos & Associates team. 5 out of 5.
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gabor s.
11/11/2020
Mark is very professional who helps lot of family with a fresh start.explains all the suitable options and gets it done.
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Alex M.
7/27/2020
I can tell you Benny and his team are fantastic, courteous and super patient to answer all your questions. Me personally felt no pressure when we met up first time, as I did not know what to expect, how to proceed. All I wanted is to put an end to all those calls, payment deadlines and garnishments.
Knowing what to expect meant everything as Benny helped me decide which steps to take and end the nightmare I was in. I can tell you for sure, if you have sleepless nights, just give Benny a call and be assured that he will find work hard to find the best solution to your problems.
Trust me when I say, if you want a quick turnaround to your debt problems, this is the place to go to. You won't regret it.
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Jess C.
3/13/2021
The whole process of a credit proposal was scary to me which is why I took such a long time to start it. However once I did I was amazed at how easy the process was and I felt so comfortable and appreciative of all the help from Hoyes, Michalos & Associates. Beau was wonderful to work with in completing my credit counselling sessions. Very easy to speak with, and just all around a genuine nice guy who is extremely knowledgeable! If your ever in need of their services, give them a call. You definitely won't regret it!
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Melissa H.
6/20/2024
My experience has been fantastic!! Billy is absolutely excellent from the very beginning in helping me to get my life back. He is very knowledge and made me feel like a huge weight has been lifted from my shoulders. Thank you Billy!!
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Keswick7732
5/12/2026
I dealt with Sandra for compiling and submitting my Consumer Proposal. It went smoothly, without judgement. I did my counselling sessions with Sandra, (first one), and Brennan (second one). They gave great tips answered all questions.
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Micheal H.
4/26/2024
Joel was very kind and very informative answered all my questions gave me a detailed low down of everything they also lowered my debt massively and my payments are so low I am very pleased with this company and would recommend hoyes to anyone and everyone that has any sized debt they are very helpful thank you so much joel I couldn't live with the debt I had if I did not register with your company thank you again.
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Mike L.
4/16/2021
This company was great. Patty has been wonderful to work with through my proposal, everything was fully explained, she helped with my zoom counselling meetings, she helped me with all paperwork online and always coached me to keep a positive outlook through the whole process overall the Hoyes team was great Mike Laird
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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.
