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
Brian B.
7/13/2021
The whole experience was very terrifying, but they put my mind at ease.
Very thorough and informative thank you Ian
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Nashan A.
4/28/2026
I would like to say thank you to the staff at Hoyes, Michalos & Associate for your dedication in helping me with my consumer proposal. the communications were up to date. Every times when there was a change in my proposal I was always updated. I highly recommend this company to all who are seeking to resolve their credit issues . The wait was long but the outcome was worth it.
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Ryan C.
6/09/2020
I was treated very well at the Brantford office and they responded to calls and emails promptly. I would easily recommend them.
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T. G.
8/07/2024
Billy at hoyes was able help me pay back my debt on my terms without crazy interest rates and insane minimum payments.. thank you Billy. I have felt a great deal of relief
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Andrea L.
11/03/2023
I'm so thankful to Benny for helping me settle my debts and get a new start. I was so stressed by calls and emails. Benny helped me start the process right away and was very patient and supportive. I highly recommend him. He's been so helpful and patient all through. I can't wait for the time that I will be financially stable. Thank you so much.
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Tom S.
11/02/2018
Alison at Hoyes Michalos really helped get me through the worst experience of my life. She is charming and professional and makes what could be a very unpleasant experience almost enjoyable...
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jeff j.
9/26/2019
I dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.
Unfortunately life events happen, which lead up to myself filing a consumer proposal.
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George T.
5/25/2020
I was afraid to start my process. Once I called and had my meeting, Rebecca and staff made me feel very comfortable and welcome. They always answered any questions that I had. They were very informative and helpful in the entire process. Dealing with the Windsor staff was a great experience and made me feel great to have a fresh start. Thank you once again.
GT
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Chaza H.
7/02/2026
I brought my parents here to help them with their money problems due to a failed business unfortunately. We worked with Joel. He was the best he answered all of my questions never made us feel horrible or stupid about the questions or the situation and he worked with us every step of the way. He kept us informed and in the picture and he worked very hard to ensure we got the best deal and the best outcome. I cannot recommend Hoyes Michalos & Associates more. Very professional very helpful and help get you out of hard situations when it feels there’s no way out.
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Chris L.
3/06/2020
Patrica was very professional and a great help when I didn’t know what to do with my financial problems. She was always very fast to answer when I had questions and made sure all the issues were taken care of right away. I would recommend this place over any other company that offers financial help they know what they are doing and how to treat there customers!
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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.
