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
Amber M.
2/28/2021
The team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst years of my life and thought I was never going to get out from under it. Howard & Patricia were compassionate and didn't judge me for being in the position I was in. They provided me with exceptional counsel and helped me to make the best choices for me going forward. For the first time in months I'm breathing easy and working towards building a better future for myself. If you need help, call them, this team will not only work with you to get you out from under your stress but will teach you how to avoid being in this scenario again. They're with you every step of the way.
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Tracy C.
11/28/2025
I am so grateful for Joel, and the Hoyes,Michalos team.I wish I had done this earlier. I can finally breathe and not worry how I am going to pay my bills..I can actually sleep at night now..a big 5star review...for those who are still unsure...make the call, you will be glad you did.
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Mihai C.
7/10/2021
I visited their office in 2017 at a very bad time in my life. Since then, Ian has been extremely responsive, put things in perspective and well, got me through a lot of issues. Go see them. Talk to them, you will no be disappointed. Thank you again Ian, I really really appreciate your help and support.
LMihaiC
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Vannessa S.
11/08/2019
Empathetic but to the point... Does everything by the books to get you the best legal results... Thank you H&M
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Elaine S.
4/11/2024
Kristen has been wonderful. She helped me when I applied. She helped me when I was short for payment for xmas and now helped me with my income tax. I am so glad I met her. And I can't find the words to totally describe how kind understanding and completely ready to help immediately. She has never let me sit and wait on anything. She takes.care of things quickly. I just can't say enough. If there is a possibility of a raise for She deserves every penny. I am so impressed with her. Thank you Kristen.
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chris c.
12/01/2020
This place is amazing! They help you with your debt and treat you with respect. It’s stressful dealing with debt, but they make you feel at ease and help you solve your debt in a manageable way. Can’t recommend them enough.
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Brandon O.
8/02/2019
Wonderful experience. More people would benefit knowing about this company and their very helpful stuff. My experience with them has been a breeze and a huge help in many ways. Turns out there are people out there who want to help you and are good at it!
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Phil M.
3/05/2021
Never thought I'd be in that position, but Hoyes, Michalos & Associates were there to ease my stress.
I feel like I can properly plan the rest of my future now with that weight of my shoulders.
Thank you Howard & Patty. 🙂
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Alesha S.
10/22/2025
I had such a great experience with this company. They were exceptional in covering all the details, helping me get all my information in order and getting me the lowest possible payment plan. And just like that, all the calls and the worry stopped. Huge weight lifted.
Very grateful to Jeanette and Benny for such a painless process and their great customer support. Definitely a good company to go with. Thanks guys!
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Amanda “.
2/08/2021
It has been an absolute pleasure working with Hoyes, Michalos & Associates! Howard was very informative during our meeting and was able to help me 100% with honesty and explained everything so I understood fully before signing anything, and Patty has been amazing at helping with questions that are probably really silly for most people and teaching me all the extra little things that I didn’t have before. Thank you so much for helping me get back on track and work towards goals I didn’t realize where possible!!
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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.
