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
Kristina C.
3/05/2025
Due to unforseen circumstances, we had gone deep into debt. Mental health crisis, an unlawful eviction, and the rising cost of living in today's economy all played factors into our debt growing and growing. Billy, Janette, and the team at Hoyes and Michalos are there to support you every step of the way. There is no need for embarrassment, or in asking for help. The team at Hoyes and Michalos treat you with respect, and understand that sometimes life gets in the way.
Thank you again Billy, Janette and team! You have helped me with getting this debt off my back, and letting me finally breath relief again.
My family is forever thankful and appreciative!
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David S.
6/22/2022
After giving my debt situation a very serious thought, I decided to contact Hoyes, I found Brett to be very helpful and kind through the process
I'm so glad I chose them
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David D.
6/29/2022
Worked with Brett Nicholson. He helped me get thru my debt's. I highly recommend this place. Brett made it very easy to get everything done. I couldn’t thank him enough!! I can sleep stress free every night!
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Md F.
3/06/2026
Billy was great help pretty much solved all my problems in one go. Will definitely recommend!!
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Farah M.
2/09/2022
Everyone is so helpful, kind and understanding. They really take the time to answer all your questions and guide you through the process.
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Edward P.
11/21/2020
Great service very easy to deal with Billy and Peter very much did everything
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F A.
7/08/2019
Recently had some major issues with CRA that really impacted my ability to continue paying my bills. After months of trying to resolve them without any progress I decided to reach out to Hoyes, Michalos & Associates for some advice. Honestly, going through this is very stressful, but I was fortunate enough to meet Benny Mendlowitz at Hoyes who took me through my options and what Hoyes can do to help me to resolve my difficult financial circumstances. From the very beginning Benny made me feel comfortable and listened to my situation, provided me with options and solutions that where realistic to my situation and never judged my situation. I'm so relieved that the consumer proposal was filed and accepted and would recommend Benny & Hoyes to anyone who is in a tough financial situation. They are professional, experienced and look out for their clients which is really important.
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Lisa J.
1/17/2025
Great experience working with Joel and team. Joel was extremely knowledgeable, quick to act, and informative. I was hesitant about exploring my financial options and I am glad that I found this team. They are open to answering any questions, the process filing a consumer proposal was a lot easier than I thought it would be and I'm a lot happier not having to deal with creditors anymore.
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Jeff M.
6/03/2022
Very friendly staff and helpful. I'd recommend Hoyes, Michaelis & associates to anyone who is trying to get debt free.
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First W.
10/14/2020
I came here because I needed financial advice. I decided to go ahead with bankruptcy and so far they have taken care of me very professionally. If you need this sort of help, I'd recommend them.
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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.
