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
Renato J.
9/10/2026
After inquiring to several providers of these CP, I finally decided to go to Hoyes, Michalos & Associates. Billy is amazing, he able to get the filing as soon as possible wherein other providers are asking too much documents for my spouse such as paystubs, letter of employment, and bank statements, also not responding as fast on inquiries. They are worry how will I be able to pay their services due to my pay versus the expenses but in Hoyes, no extra documents, only those important for the filing, no judgement, and the monthly fee is low compared to others. Thank you again for Billy for the help and getting me relieving my stress on my debts.
read moreread less
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!!
read moreread less
Anne
4/29/2022
I highly recommend them. Benny and the rest of the team are so friendly and very approachable. They explained every single details. Hoyes is a big help to those who are struggling financially. Thank you so much.
read moreread less
Christine M.
9/13/2021
Very personable and go over everything in detail. Always available to answer questions and offer helpful advice
read moreread less
Jeff T.
4/24/2024
Very good team that takes care of you during your hard financial times. Highly recommended
read moreread less
Cristian S.
9/30/2021
Shannon helped be from start to finish. She consolidated all my student loan and credit card debts and submitted the proposal. The whole process was made easy and everyone at Hoyes was very nice and helpful along the way. No stress at all. The monthly fees were small enough to handle and spread out over five years. I was able to pay it off early. I didn't need to go into bankruptcy and I'm debt free now! Feels good! Thank you and I highly recommend Hoyes and their understanding staff.
read moreread less
david g.
5/26/2022
I just like to say thank you to everybody at hoyes and associates for helping me turn life around and all good advice and help wonderful people there never disappoint me at any time I would call and bug about anything there and they were really perfosonal about it all thx guys 💯🤗
read moreread less
Diane K.
4/09/2021
Jennifer and her team are very professional, kind, supportive and super helpful. She was able to help me get back on track and have a fresh start. I am so truly grateful to Hoyes, Michalos & Associates. EXCELLENT service and I will definitely recommend them.
read moreread less
Scott C.
2/06/2024
I recently had the privilege of working with this insolvency trustee who truly went above and beyond the call of duty, long after my account had been officially closed and finalized. From the outset, their professionalism, expertise, and genuine concern for my financial well-being were evident. However, it was their exceptional support after the conclusion of my case that truly set them apart.
Despite having no obligation to continue offering assistance, this trustee made themselves available to address lingering concerns and provide guidance. Their willingness to invest additional time and effort, without any expectation of reward, reflects a remarkable dedication to their clients' long-term success.
Their advice was not only insightful but also empowering, helping me to make informed decisions. This level of care and commitment is rare and deserves the highest praise.
read moreread less
Frank Y.
5/21/2022
Excellent service with easy step by step instructions; all details thoroughly explained & all questions completely answered. Very helpful advice to help us move forward with confidence.
read moreread less
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.
