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
Cathy T.
7/10/2024
Billy was great! I was very anxious and he has made it all seem so easy. So grateful for the support throughout this process.
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Mark P.
11/27/2024
Very knowledgeable, friendly and helpful in dealing with a stressful situation. Also helped after the entire process was complete. Dealt with Scott Schaefer in the Kitchener/Waterloo office, and would highly recommend him and the Hoyes team if in need of debt help.
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Christina S.
9/09/2020
Thank you for the professional services you have provided. I felt very confident when dealing with your manager Scott
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Tom S.
11/19/2025
After interviewing more than 4 different companies and trustees, I decided to engage Mr. Scott Terrio with Hoyes, Michalos and Associates. He was incredibly patient, knowledgeable and to the point about the process and what was to be expected. He explained all the details and made sure all was understood and what needed to be done in order to have a smooth and successful outcome. Scott has a way of calming things down for you and helping in a very difficult time. I would gladly recommend referring Scott to anyone in financial difficulty.
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Ana H.
7/21/2020
I highly recommend Hoyes, Michael's & Associates Inc. for your financial help. Very helpful, friendly and informative. They go above and beyond to give you the help and support you need. I was stressed with all of this but they made me feel comfortable and at ease. Thank you for all your help and continued support.
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Karl F.
5/23/2025
Before I met Howard I was in a very difficult and stressful situation. and I keep searching online until I found his name as trustee who has excellent reviews, then I decided to contact him, we met for a free session to explain my situation and the options. He's honest and straightforward person. Since I met him I feel less stress and relieved. I highly recommended him if you have anything related to financial issues. Please don't hesitate to contact him and ask for his help.
I'm so grateful that I met him. Thank you so much Howard
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Carine C.
8/25/2022
Facing financial hardship wasn't easy for me, especially during the pandemic and losing a job. It took time for me to actually look for help and finally I found Hoyes, Michalos & Associates. I would like to thank you Benny and the team for putting me at ease during the process of my consumer proposal. Without Benny's help, I wouldn't be able to move forward in my daily life and stress out with all the creditor's calls. I would highly recommend anyone who is facing difficulties in debt reach out to Benny and the team for better financial advice and they will help you through this process until the end. Thank you Benny for the time and patience.
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Neil M.
3/11/2020
Experience, knowledge and caring - the three top qualities this team (especially Nicholas) brings to your situation. They get it, stuff happens, but they get to know you and your situation and help you out with smart, friendly, and expertise. Highly highly recommend this team.
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Eddy R.
12/18/2023
Scott Is The Man! He made the whole process easy and quick for me and was able to create a solid plan for me for my Proposal and fixing my credit! He's a life saver and I am not regretting the service I have gotten. 10/10 I recommend you guys contact them asap if you are in need
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ellisjn ..
6/12/2019
Thank you Patricia, Margaret, and Howard at the Cambridge office for providing exceptional service when handling my consumer proposal. From consultation to filing to the aftermath, they were all friendly and helpful with relieving my financial stress. They have a wealth of knowledge and financial resources. It wasn't as bad as I thought and now I'm debt free. Go see them if you want a solution to your overwhelming debt.
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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.
