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
mademba c.
1/21/2021
Quick to respond, very effective, competent and friendly staff. No complaint.
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Joanne S.
6/19/2024
Jamie was very professional, friendly and helpful. Willing to answer any questions we had and deal with creditors who continued to call and email us. We would definitely recommend them to anyone.
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Elinor H.
3/07/2023
Very happy dealing with Hoyes, Michalos & Associates. Billy Martel at the Burlington office of HM&A got me back on the right track and I'm glad to say it's all good now. Mr. Martel was kind, professional, understanding, and extremely helpful. He explained all my options and based on that I chose the best path forward. So glad I went to Hoyes, Michalos & Associates - highly recommend them!
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Babar S.
10/02/2024
I spoke to Mr. Douglas Hoyes, he answered all my questions very patiently. He is a thorough professional. I would definitely recommend him and give him five star rating.
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crystal m.
11/13/2019
I have had nothing but positive things to say about this company! I dealt with the Burlington location. I had the pleasure of dealing with Peter and William and I can honestly say that with their help I am in a much better place financially then I have been in a long time! They take their time with you an make sure you understand every step throughout the process. Then there was the credit counselling appointments which sound a little intimidating at first but I can honestly say that I was so motivated after each appointment, I wish there was more!! They treat you like a real person, not just a client, they truly care for you and your financial situations and finding solutions for you that actually work in real life!! I am very thankful that I decided to email this office just for some information and got a real solution and a huge weight off my shoulders!!! Thank you to Peter and William.
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Perry I.
9/03/2020
Nicolas To, in the Markham office, was great in assisting me through my bankruptcy. He was extremely helpful and a true professional. He also helped in making me realize that when life throws you a curve ball you cannot handle financially, there's nothing to be ashamed of. Looking forward to my fresh start. Thanks again.
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Saudia D.
3/22/2021
This was one of the toughest decisions I've had to make in a while. But Jason helped to seal the deal. Why? Because I have dwelled on moving forward with a consumer proposal for a long time now. Spoken with a couple other organizations in the past, but never felt comfortable enough to move forward. I always felt rushed, unsure and left with more questions than answers.
Jason was very knowledgeable, always responsive to the smallest of questions and provided me with the sense of security with my big decision at hand.
I absolutely recommend working with Jason and his team!
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Conor M.
8/19/2020
Maryia Bratkouskaya has been amazing during my bankruptcy process. Truly amazing person and counselor!
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Don E.
4/05/2022
The Hoyes, Michalos team made a very troubling time much easier than it would have been. They took the time to answer all of my questions and are very knowledgeable. They explain things in easy to understand terms and you can really tell that they are in your corner.
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JoAnne E.
1/10/2020
I found myself in Way Over My Head in debt. I researched and found Hoyes, Michalos & Associates Inc. I gave them a call and setup a meeting. Patty was excellent at explaining the process :) Their services are very affordable !! They are very informative about how to rebuild credit!! I'm WELL on my way to being debt free!!! Thank You Patty & Doug :)
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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.
