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.
4/28/2021
I had the pleasure of working with Hoyes, Michalos & Associates for personal financial issues. My case manager, Maureen, was kind, patient, understanding and made me feel at ease throughout the process.
If you are needing an organization for debt, bankruptcy, etc., these are definitely great people.
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G 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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Melissa L.
5/11/2023
Rebecca was very helpful and made me feel very comfortable and I went in the process feeling doubt and insecure. She put all my doubts aside and I am so happy I made this decision.
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Josh F.
3/20/2024
Joel and Heather here were incredibly helpful with managing my debt. Filing for a proposal was a life changing decision in the best way, and I just finished paying it off. Such a huge weight off my shoulders, and the people here made it simple and easy to understand during the entire process.
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Sandra S.
12/29/2020
I was quite nervous at first to even call. I did not know very much about bankruptcy or consumer proposal, except that I had to do something.
I called these guys and they were so patient and kind explaining the difference in services, they put my mind at ease. I would recommend this firm to anyone!! I have now filed a consumer proposal and feel positive again about the future!!! I almost feel a little guilty because they did all the work for me!!! Thank you guys!!!
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Rachelle w.
1/14/2024
Maureen Parent helped me to file a consumer proposal with approval. She was able to put me at ease is will the stress by walking me through step by step from start to finish. I am now on a path to becoming debt free. Thank you!
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Denise L.
10/08/2025
Super easy & friendly to deal with. Always answered everything quickly and in a timely manner. Never questioned a thing with them and really help you understand your situation without making you feel small.
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shelbie K.
9/09/2021
Hoyes has helped me feel stress free and help relieve me from my debt, and just so much more!! the people are so incredibly nice and always have a smile to greet you and laugh with you !! I’m so thankful for hoyes!!
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Omar C.
6/16/2020
I was in a financial crisis beyond my control .the creditors were calling me costantly at all time ,day and night and even my account was frozzen ...then I desided to call Hoyes,Michalos and Associates and they help me with a propousal to my creditors to pay my debs .now I am paying what I can afford to pay monthly..no more harassment phone calls, and now on my way to be deb free Thank you Janette Martin for your counselling and support
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Di C.
1/02/2025
Exceptional in every way. Ted and Cyndi were a godsend,. Any questions I had were answered, and most importantly, I was not judged. I was handled with care and understanding and support throughout. I cannot thank them enough and I am already recommending them to folks I know who are facing similar economic hardship. In my opinion, five stars doesn’t cut it.
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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.
