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
S M.
5/07/2021
I had been struggling with my finances for a while and was too scared to face the challenge of sorting them out myself so I contacted Hoyes, Michael's & Associates. I cannot say enough good things about the support I have received. Joel and Patricia in particular have been life savers. I have felt absolutely no judgement and in fact was very encouraged to not be down on myself for getting into this situation but instead be thankful I did something about it and to learn from it. Patricia is heaven sent. She explains things in such a relatable way and exhibits such patience for the things I do not understand and need some extra help with. I no longer feel afraid to tackle my finances with the support of this team. Thank you so much for helping me with something that felt impossible to do alone. You have changed my life and for that I am very grateful. Thank you thank you thank you!
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Tanya S.
3/25/2022
Ted Michalos and associates helped me with my debt
In a way that was as quick and stress free as possible. Everyone was kind and understanding and took any anxiety out of the process. They gave me solutions I didn’t know I had. I wish I would have called them a lot sooner!!
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charlene l.
7/11/2020
very kind and understanding
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David H.
9/20/2022
Hoyes, Michalos & Associates was able to help me get back on track. Answered all questions that I had and was able to take care of everything I needed along the way. 2 years has passed and now everything is completely paid off. 5 stars would recommend
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Chantel L.
1/03/2023
So grateful for the support I've received from Hoyes, Michalos & Associates. I feel much lighter, and have so much more hope for the future now. Highly recommend using there services!
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Run C.
10/14/2021
I never thought I would be in this position but then certain events in life happens to you not by your own doing. Rebecca was fantastic. She listened to me and is helping me with my goals. It is like a burden has been lifted off my shoulders. I wish I started the process sooner. I would definitely recommend Rebecca.
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Rachelle V.
8/11/2026
Shelly Ann was absolutely amazing to work with. She went above and beyond to help me during a stressful process and made me feel genuinely heard and supported.
What stood out most was her empathy, patience, and willingness to really listen and look into things instead of just giving me a standard answer. She cared about finding a fair solution, and because of that, she was able to help me tremendously.
She is knowledgeable, compassionate, and truly a women’s woman — the kind of person you’re grateful to have in your corner. I’m so thankful for her help and would highly recommend her! 5 stars for Shelly Ann!! ❤️
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Milli S.
4/29/2026
A friend recommended Hoyes, Michalos & Associates based on their experience in consolidating debt - this firm did not disappoint. Their team was patient with me as I took the time to prepare for consolidation. They diligently walked me through every aspect and were priced fairly in comparison to competitors. They were also available to answer my questions and provide solutions when I followed up, even after my full debt had been paid. Thank you to this team for the peace of mind.
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LI A.
6/23/2021
I was skeptical at first to go for a consumer proposal at first but I really hope I chose that part sooner. Maureen is the best, believe me when I said she's the best. She does not judgmental and she is very friendly and always have a smile in her face during all the process. I feel at ease all during the program. She took care of everything and I can say soon I will be debt free. Thank you HMA and Thank you so much Maureen. Anyone who is sleepless about creditors calling you in the middle of nowhere HMA can help you in a heart bit.
Thank you,
LI
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Siva K.
7/09/2026
I have been in touch with Mr. Jason at Hoyes Michalos for the past 2 years with regards to my proposal and until filed for it last month.
All these time, he was very patient, helpful and knowledgeable in navigating my situations filled with multitude of questions.
Filing went very smooth and quick and since then all calls were gradually stopped. I would definitely recommend consumer proposal for those who feel they stuck in mountain of debt and Mr. Jason who could lift off legally from the debt. Thank you so much for the help.
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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.
