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
Miguel M.
3/31/2021
Sarah Dorian was very helpful with assurance and detailed information through this difficult circumstance.
Sarah’s expertise and clear instruction gave me a calming feeling that this is a process to reset and a new beginning.
The whole team responded to queries quickly with clear concise information.
Grateful to all of you helping me through this process.
Sincerely
Michael
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Tristan B.
10/23/2023
Ive finally completed my consumer proposal and couldnt be happier. Rebecca was truly amazing through the entire process and i completely reccomend and suggest others to get on the path to better credit building! Thank you Rebecca, thank you Hoyes
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Heather N.
5/04/2023
I was finding it difficult to make monthly payments to my creditors. I knew I needed help. I am so happy I found Maureen! Maureen was super helpful and did not make me feel ashamed of the debt I had accumulated. I felt very comfortable with Maureen and I feel like a huge weight has been lifted off my shoulder. I would highly recommend Maureen to anyone struggling with their finances.
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Tony M.
1/26/2023
Excellent work with this firm, no BS! They were truthful, efficient & did not waste my time. I highly recommend them after talking with other Trustees that I found played games only to increase their share of the settlement.
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Kratos S.
11/12/2019
Couldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I must say I am feeling 100% then when I first came to their office. I will continue to use them and will refer any and all to them that need help in the fields that they professionally provide.
Cant say thanks enough!
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josh d.
7/07/2023
Couldn’t have picked a better company to go with. My Father his wife as well as my fiancé all went through hoyes for bankruptcy. and I just finished my 5 year consumer proposal. It was nice not being harassed everyday they took care of all of that for me. Professional staff and always worked with me on the tough months if I needed to move a payment. I would give 10 stars if I could. Thank you hoyes for all you have done for me.
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Geoff C.
10/15/2020
From start to finish, the team and Hoyes Michalos were empathetic, respectful and thoroughly professional. No one looks forward to going through this process but they made it as bearable and stress-free as possible. I would recommend them without hesitation.
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Gail D.
11/07/2024
I had a problem with my credit card and was able to receive the help I needed with ease. I communicated with Hoyes.com by emails and phone calls. I felt heard and important. Thank you Hoyes.com for all your support.
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Paul L.
4/07/2021
I feel extremely confident moving forward and having some assistance with the things that I just don't know yet. Can't wait to see where this help takes me
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Bassam
2/22/2021
I strongly recommend their services, based on my experience they are the best in their business.
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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.
