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
Krista K.
9/11/2019
Very helpful and informative, made one of the most stressful times in my life much easier and smoother. Very good experience. Mark is the best!!
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Wolfvale 1.
4/18/2020
Tried to find fault with their service, was unable to. They know what they are doing. Explained everything in writing. ALL the numbers were there and how they were calculated. Now paying one fifth of what I was and have no stress. Love It!
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Sue C.
1/01/2020
They made the process of filing for a consumer proposal very easy. I knew I was in good hands. I highly recommend seeing them for a consultation.
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Philip C.
8/21/2019
Extremely helpful and easy to speak with. (As well, very easy to contact)
I sat down with them in 2015 and they went over plans and options step by step on dealing with my debt situation, making everything clear and concise. In the end they helped work out a plan that worked for me in my situation, and I'm happy to say that I'm now debt free! Very happy I chose Hoyes, Michalos!
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Lynn H.
11/17/2021
I had my Identity stolen and had been struggling with getting help I needed for 3 years until I came across Hoyes and Michalos. The staff that helped me was a lifesaver, very professional and knowledgeable and fast. I would definitely recommend them to anyone.
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Barb H.
4/08/2019
Hi everyone
I just wanted to say I was in debt up to my ears and was so distraught and couldn't sleep because of worrying about on how I'm going to pay We I went online from taking a friends advice and he told me what to do i came across this company online so i thought i would give them a try ,made an appt. Went to see them talk with the reception which set up to see the trusty I found myself relaxed and able to talk with them and had the ball rolling
They helped me a lot got a big weight of my shoulders and the amount to my creditors was reasonable and I was much happier.
I would recommend this company to anyone who needs help with their debt They got qhat I need and all the garnishment if my income was gone and I can keep my house a little longer
Thank you Hoyes Michaels and associates
Sincerely B Henry
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George M.
3/13/2024
Thank you to Jason Quinney, LIT, and his team at Hoyes Michalos for providing an outstanding customer experience.
I am truly impressed and appreciative of the advice and direction provided by Jason.
Finances are not my strength, and having a professional such as Jason evaluate my financial health and offer solid advice has truly made a world of difference.
I recommend anyone facing any type of financial challenge to simply review the Hoyes and Michalos website, Hoyes Michalos YouTube videos, and reach out to Jason’s team for a free consultation. The advice and action I received were 100% consistent with the information provided online, tailored to my current financial situation. Personalized emails, including personalized appointment reminders, not simply computer-generated emails, were greatly appreciated, as was the reassurance from a professional service.
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Emmanuel J.
4/05/2024
Jamie and Ted at Hoyes were incredible to work with. They not only negotiated the best deal possible for my consumer proposal, they were also empathetic and supportive throughout the entire process and made themselves readily available to answer any questions or concerns I had along the way. A+ experience with these two.
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Barbara L.
6/03/2023
Sandra Sykora has gone above and beyond with her extensive financial advice, knowledge and recommendations to assist myself with becoming debt free. She has been and continues to be quick to respond to my emails and covers every base and then some. I highly recommend her for assisting anyone who is at their wits end with stress due to unresolved financial debt. She is extremely patient and really listens to her clients. She doesn't treat them like just another number. Call her today to become debt free! You'll be glad you did!
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Dianne B.
10/05/2020
I filed a consumer proposal with Hoyes . Michalos . Very proffessional, easy to deal with . No judgement , and I was able to deicde the payments I could afford ! They advised me of all my options , and my proposal was quicky accepted by my creditors . Would reccomend !!
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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.
