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
Rebecca B.
2/18/2026
Have been very pleasant and helpful with my financials. Maureen and Brennan have both been amazing and makes the process feel judgement free! :)
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parham K.
4/14/2022
I highly recommend Hoyes!
Mr. Benny and his team are incredibly professional and super helpful at what they do. Their friendliness and ease of service is above and beyond expectations!
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Genalyn Q.
3/05/2024
I have had the pleasure of having Kristen Karl work with me during the whole process of debt consolidation. I was a nervous wreck not really knowing how to start again, Kristen made me feel at ease throughout and ensure that I was informed of every details of every steps that needs to be taken. She even went beyond by helping me check my credit with me and made sure that everything is what it’s supposed be and helped me understand and start on how to do a better budgeting to prevent myself from having the same issue in the future. I 1000% recommend her and HOYES & MICHALOS to anyone who needs help get out of debt.
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Jenn ..
5/07/2026
Definitely recommended!!
I ( unfortunately due to my credit situations ) had to use this service on more than one occasion.
I have used the Upper James Hamilton Hoyes location with Billy each time.
Hoyes is highly recommended if you are seeking a consumer proposal or bankruptcy.
I hope I don’t need to use their services again in the future but if I do, I will definitely come back.
I highly recommend Hoyes on Upper James with Billy to anyone needing debt help!!
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Vadym D.
12/15/2020
Options were offered and excellent service and knowledge provided. Step by step process info and very professional. Made everything seem easy without any problems and taking step by step with explanations. Very pleased and grateful through this sad time. I would like to especially thank Benny Mendlowitz and Janette Martin for their professionalism, help and advice.
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Tetiana W.
10/18/2024
Thank you to Hoyes Michalos, especially Brian, for their assistance! They were very professional and friendly, helping me find the right solution during my financial struggle. Highly recommend them.
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Mateo D.
5/26/2024
They were great to deal with. Mark specially was very informative and super helpful. He made our experience very comfortable and easy to manage. I would definitely recommend them.
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Ashley R.
9/13/2019
I had a very positive experience dealing with the London office from the first meeting to the last one. They made me feel comfortable and gave me options with detailed explanations. If I had a question, I had a response within one business day. Joel is extremely professional and thorough. Highly recommend them.
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Stephanie S.
3/11/2020
I came into a hard time in my life. I was looking for help and this office appealed to me. When I booked my first appointment I was so scared. The first person I got to meet with was Patty. She was so nice and made me feel at ease. She was very understanding of my situation, gave me great advice, and even made me laugh a few times. Knowing that my future appointments will be with her is great. It will make everything so much easier and stress free. I know for sure if anyone I know needs advice, I will definitely recommend this office. Thank you so much Patty and everyone from Hoyes,Michalos & Associates :)
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Natasha D.
3/21/2022
I had a lot of debt that I could not keep up with. I did some research and got some consultations with a couple firms. Hoyes, Michalos & associates is the firm I ended up chowing. My adviser was very knowledgeable and very understanding about the whole process and so helpful! Maureen is a fabulous and happy person that makes this process feel less intimidating and more comfortable that I’m helping my future self to have a better credit rating and not having anymore debts! Super happy with the service I’m receiving and all the help I also received during this process!
Thank you so much Maureen for all your help and kindness ❤️
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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.
