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
Wrath O.
12/13/2022
Very professional and very efficient. The entire process was well explained and all questions were answered. If anyone I know ends up in the financial dilemma I found myself in, I know exactly where to direct them.
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Preeti D.
7/11/2024
They were recommended to me by a friend. Scott was extremely helpful. Don't struggle, go see Scott. There is help available and no shame in asking for it. Sleep better and reset. Life happens. We all fall down and need to get back up. Let Scott do that for you! Rebuild, reset, and Renew your goals with a restart.
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Julie P.
5/10/2021
Ian at Hoyes, Michalos & Associates were extremely helpful when my husband and I went. We were very stressed, embarrassed and overwhelmed. But Ian made us feel at ease, normal and removed the stress for us. It's been about 2 years since we went and we had a little issue lately with CRA. Ian contacted the government, solved the situation and made sure our refund was coming. THANK YOU for everything you have done for us!! We truly appreciate it.
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Ann H.
6/25/2020
This business has shown me how to restructure my personal lifestyle. I wish I had known about it a few years ago. I am enjoying the reading materials to help me.
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Edmon
1/24/2024
I was struggling with debt issues and the pressure and stress of being unable to manage my finances. I contacted Hoyes, Michalos & Associates to assist me with this matter, and it was the best decision that I have ever made. Ian, is very knowledgeable, compassionate and understanding, with his expertise he guided me throughout the process with ease, he explained everything clearly and directed me to the right options that were best suited to my situation. I would highly recommend Hoyes, Michalos & Associates and especially Ian, for they are one of the top best companies out there. Thank you Ian for the tremendous support and superb service that you have provided to me and my family, we truly appreciate it.
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Natasha C.
5/14/2019
Nicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He helped me through the process and made sure I understood and always gave clarification when needed. Highly recommend using Hoyes! Thank you again, Nicholas!
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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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A G.
7/17/2020
After meeting with several companies to discuss my financial situation and the curve ball life had thrown me. This was the only team that from start to finish kept my best interest at heart! Provided the correct information the first time and allowed me to get back on a healthy path!
Thank you Joel and team
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Ron
8/03/2023
I would like to thank you MR. Benny for all the help you have provided me. You and your team did everything you said you would do and more, and because of you I am getting my life back on track. I could not have done this without you, and for that I and truly grateful.
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Robyn P.
1/08/2021
Beau was so kind through this whole experience.
I actually enjoyed my debt counseling sessions and might book another in the future. He genuinely cares about his job and you can feel that.
Now, I’m continuing to pay down my student debt with a lightness in my heart - and planning for my future and building my credit. I’m so glad I made the call to Hoyes and took responsibility for my life.
Thanks!
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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.
