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
Eric D.
1/21/2021
I’m so happy to have contacted hoyes. The stress reduction in my life has given me a positive financial outlook for my future. I wish I had started a consumer proposal earlier!! Everybody I’ve dealt with has been an amazing help.
read moreread less
stephen m.
2/12/2024
Amazing company.
Super friendly and helpful throughout the whole process. They were there for me from the moment I called to the day I got my discharge letter. I never expected this kind of help going through the process of bankruptcy but they made the experience easy and stress free as possible.
Thank you for everything.
Stephen mclean
read moreread less
Brian B.
7/13/2021
The whole experience was very terrifying, but they put my mind at ease.
Very thorough and informative thank you Ian
read moreread less
Steve L.
3/15/2022
It was a very easy process thanks to Jason and now i can start fresh and get my finances back on track. I recommend Hoyes, Michalos to anyone having financial difficulty and they will direct you to the best solution for your needs .
read moreread less
Claudette M.
10/09/2020
I would like to say that dealing with Hoyes, Michalos & Associates with all my needs to help with financials was awesome. they were all very respectful of myself and they most certainly did make it very easy to understand everything i was going through. I definitely would recommend them to anyone. Very happy with my outcome. :) :) :)
read moreread less
Mat C.
1/10/2026
I have been in the unfortunately situation for utilizing them twice in my life. Both times Scott and Charlie have been amazing. They have made me feel comfortable and that the situation i was in was the bumps in the road of life. If there is a debt relief company you should have in your corner it is Hoyes...
read moreread less
Elisha E.
6/09/2020
I am so pleased with how Patty, Howard and the proposal team helped me file my consumer proposal they were fantastic. Very proffessional and supportive. I wish I would have done this earlier. The tools I was given are priceless I cannot thank them all enough. I finally feel like I am in control of my life.
read moreread less
Steph B.
8/11/2020
Staff at hoyes go well out of their way to help you get through your debt needs. They’re friendly and flexible, always. I would highly recommend them if you’re looking for any advice with your debt. Their solutions are great :) and their service is fast and friendly and you can schedule with them whenever is best for you.
read moreread less
David C.
6/27/2025
If you are looking for help because life has gotten away from you, I absolutely recommend Brian and his team in Oshawa. When I first started the process, I thought I would never get through it, but with Brian’s help, it was pretty quick and painless. I appreciated the time they took to meet with me and explain everything. Should you be looking for help, look no further than Hoyes in Oshawa.
read moreread less
Kristen B.
2/26/2024
Billy made the process so easy and explained everything in great detail. I would highly recommend!
read moreread less
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.
