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
Michael G.
8/08/2024
Having dealt with Jamie the process has been great. Everything was handled and perfectly explained. Nothing unexpected. It is awesome to find someone who actually wants to help people. Great company with great staff
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Simon B.
11/19/2019
Brett explained everything patiently, thoroughly and in a way that was easy to understand. He assured me things would get better also we had a laugh or two. Great guy, good at what he does and i’m glad he could get me on the right track to a better financial future. Check him out, he’s the real deal.
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mademba c.
1/21/2021
Quick to respond, very effective, competent and friendly staff. No complaint.
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Niki M.
6/17/2022
Jason was very informative and organized. He helped me get a better understanding with what I was getting done and I was able to contact when needed and he responded in a timely manner. I would recommend to anyone.
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Candice F.
4/19/2020
Have to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I got called in to meet with patty. Man do I not regret going with this company. Patty was very welcoming and treated you like family, no judgment she was there to help not make you feel worse then you already feel. So thank you patty and the whole Hoyes for helping me get back on my feet. 100% would recommend this company..
Thank again!
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Florida P.
4/25/2023
A big help on my financial problems. Now I can start afresh with the help of Hoyes Michalos. Before I'm so ashamed cause I can't pay all my debts on time. Now, I can say I'm debt relieved. Whoever you are Hoyes won't let you down if you ask for their help. Thank you so much Hoyes. Thank you with all my heart.
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Lynn H.
11/17/2021
I had my Identity stolen and had been struggling with getting help I needed for 3 years until I came across Hoyes and Michalos. The staff that helped me was a lifesaver, very professional and knowledgeable and fast. I would definitely recommend them to anyone.
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Anthony J.
11/06/2020
Very thorough and responsive. They helped me figure out the best course of action and explained everything in detail.
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Maria T.
1/04/2021
Awesome crew to work with. Thanks guys!
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Martin P.
3/17/2023
When I first found out about Hoyes, Michalos &associates , through my roommate, that went through a similar situation she recommended that I come here . At first I was a little hesitant and ashamed of the debt that I have accumulated over the years , but they truly without any judgment helped me out tremendously. They were very clean about both options.( consumer proposal, or bankruptcy ) if not for them o would not be where I am today . Thank you so much for the time for helping not only me but many other clients. Hands down the best place I have ever been too about all your financial health.
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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.