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.

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Personal Bankruptcy

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

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Debt Consolidation

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

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Credit Counselling

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

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

What our clients say

Paul E.

7/15/2022

I had the pleasure of dealing with Benny. He guided me through the available options relating to my situation, and answered every question I had. We were able to obtain a favourable agreement with my creditors, and I'm happy with the result. I would definitely recommend him/Hoyes to my family or friends, should they require such services!
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Enik E.

1/26/2026

A recommendable group of experts to work with, 💯 % reliable..I was so relieved when you guys came to my rescue..thank you Hoyes🙏🙏
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Felicia

1/17/2025

Jennifer Kwon was extremely helpful throughout my whole process. I really appreciate her patients, understanding and willingness to help and answer all my questions. she made the process easier. I'm really glade I went through with Hoyes, Michael's & Associates.
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Vannessa S.

11/08/2019

Empathetic but to the point... Does everything by the books to get you the best legal results... Thank you H&M
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Kristen B.

5/05/2020

Professional, educated and very friendly people.
I’ve had a great experience working together with this company to pay off my large debt. I would highly recommend to anyone in need of helpful credit counselling, and/or to pay down debt in a way that best works for you.
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P O.

1/22/2024

Hoyes, Michalos & Associates are very professional. Rebecca made me feel comfortable when I was going through tough time. Thank.you Rebecca for all your help. Rebecca answered all the questions and concerns I had before going through consumer proposal.
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Junior W.

11/19/2023

I couldn't sleep, didn't have a day with thinking of my next bill payment, stress was my closest friend. I was told about a debt consolidation, I got some info online, still wasn't sure if it was a good idea nevertheless I needed help. With more online search I gathered info about HOYES... a phone call to them then in person meeting, I could see a change coming.
I was told that a consumer proposal would work for me, which i accepted now I'm saving money, making my monthly payments on time and getting some sleep, my close friend STRESS, is no longer around.
I'm pleased to recommend the team at Hoyes, Michalos & Associates inc they changed things for me I'm sure they will do it for you 📞 call them.
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Natalia B.

11/05/2022

Jason has been so great and made me feel very confident and comfortable in filing my consumer proposal. It’s such a relief to be on my way to being debt free. I highly recommend Hoyes & Michalos. & associates
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Andre A.

11/29/2019

Great group of people & stress free. I’m gald to meet Doug. He lifted that debt off my shoulders. Thanks Hoyes, Michalos & Associates Inc. you guys are the best!
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A G.

8/18/2020

I wanted a fresh start. I was stuck in a high interest credit card with a balance that continued to grow. It became way out of my reach. With the help of Peter Allen and Billy Martell I can sleep again. My debt was cut to 40% of the balance with payments that were great for me. I have learned a lot with their help and I would recommend them to anyone.
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