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
Jaap F.
11/15/2023
Unfortunately, I found myself in a dire financial situation. I tried to negotiate with my bank in order to put a reasonable plan together that was realistic and sustainable, but to no avail.
I contacted Hoyes, Michalos and associates whom made a careful assessment of the situation. They were easy to talk to and presented several options to remedy my financial mess. We found a solution together. I am very grateful for their services and the understanding and kindness they showed me during a very difficult time in my life. Thanks to the entire team!
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Karl F.
5/23/2025
Before I met Howard I was in a very difficult and stressful situation. and I keep searching online until I found his name as trustee who has excellent reviews, then I decided to contact him, we met for a free session to explain my situation and the options. He's honest and straightforward person. Since I met him I feel less stress and relieved. I highly recommended him if you have anything related to financial issues. Please don't hesitate to contact him and ask for his help.
I'm so grateful that I met him. Thank you so much Howard
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Ali H.
2/14/2022
Amazing staff.
Bully was great !
I tried a few places but these guys just explain things so much better and make the process to get your finances Back on track so much easier.
Much appreciated 5 star service
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Amanda C.
7/19/2024
The team here is beyond amazing. Every time I have gone in to speak to them, I was riddled with anxiety. The team, not only treated me with respect and kindness, the reassured me that I am not alone in my debt battles. They are compassionate and welcoming and have always managed to have me feeling more confident in my credit future. I cannot thank them enough for everything they have done for me
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Vannessa S.
12/31/2019
Very satisfied with the work Hoyes has done for me... I wouldn't have gone anywhere else...
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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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Vanessa J.
8/31/2023
Mark has been great with helping me resolve my debt concerns. He helped reduce my overall debt way more than I expected and is always quick to respond to any questions I have. I highly recommend them.
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Sonia T.
10/23/2024
Extremely professional and helpful staff. They make the process so easy and seamless.
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H.L. H.
3/31/2021
Shannon Desaulniers has always been approachable, compassionate and accommodating with strong proficiency work ethics. Hoyes, Michalos & Associates is an excellent choice for consumers in debt crises.
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Josephine D.
10/21/2019
Professionalism and excellent service with you in mind, my hats off to the staff, thank you for everything you folks have done.
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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.
