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
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 deal to reduce your debt by up to 80% and keep your assets. No interest on your monthly payments.
Our licensed professionals will help you explore your debt relief options.
What our clients say
Diane B.
9/08/2021
Entire staff was professional and easy to work with. Scott was wonderful, caring and compassionate he patiently walked me through every step and answered every email with patience. I highly recommend them!!
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Gregory B.
3/13/2024
Absolutely awesome place. So extremely helpful. Kristen was very kind and such a joy to talk with. Thanks for the help
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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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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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Chelseay H.
3/19/2022
Honestly, Hoyes & Michalos turned a very stressful situation for me into a very manageable situation. I felt very empowered leaving the office the first time, feeling like I could really do something about my debt. I feel more educated now so that I will be able to make better decisions in the future. I feel like I've been given a second chance. Thank you so much for your kindness and professionalism when helping me through a difficult time in my life. There are a lot of scams and people who are looking to take advantage of those who are in debt. I highly recommend this company because they will answer all your questions and be with you every step of the way, and will not pressure you into anything. Thank you!
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Jose I.
2/13/2021
2020 is been rough for my family especially with our finances. Everything seems spiralling down until me and my wife found Hoyes Michalos. Jason and his team saved my family. If your back is against the wall dealing with debts, they are the best company you can trust. Whether bankruptcy or consolidation, or anything about fixing your debt and finances, Hoyes Michalos is the place you can trust. So what are you waiting for? Stop all your worries and contact Hoyes Michalos, and be worry-free like me. Special thanks to Jason!
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A G.
9/09/2020
Everyone at Hoyes was extremely helpful and professional. They made something as stressful as facing your debt and diving into your personal finances as comfortable as possible and helped me get right back on track.
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N P.
10/02/2022
Highly appreciated the help they done to me specially to Scott Terio, he's very helpful and guided me the step by step procedure. I searched and called different company and Hoyes,Michaelos & Associate is the best one who gave me the best option. Now, I'm on my way to have a fresh start, Highly recommended, if you are still searching for help, you will be happy for the results.
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holly s.
3/14/2022
Fantastic support from the team. They made it so easy to get my life back together and were simply amazing. They gave me peace of mind and I highly recommend them.
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Fleming K.
1/13/2023
Working with Brian McIImoyle at Hoyes.Michalos changed my life. Brian guided me through the Consumer Proposal and managed to lower my debt by over 80%. He was kind, patient and made me feel comfortable asking uncomfortable questions about my debt situation. Brian has literally saved my life. If you are like me and are drowning in debt, reach out to Hoyes.Michalos. It maybe the most important call of your life. I guarantee you will not regret it!
Fleming.
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We help you get out of debt
We can help you eliminate most types of unsecured debts, including:
credit card debt
payday loans
tax debt
loans and overdue bills
student debt
Need debt relief help?
Arrange a free consultation in any of our locations accross Ontario today.