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
Elinor H.
3/07/2023
Very happy dealing with Hoyes, Michalos & Associates. Billy Martel at the Burlington office of HM&A got me back on the right track and I'm glad to say it's all good now. Mr. Martel was kind, professional, understanding, and extremely helpful. He explained all my options and based on that I chose the best path forward. So glad I went to Hoyes, Michalos & Associates - highly recommend them!
read moreread less
Edris N.
4/02/2026
Billy Martell is a great trustee who understands his clients’ situations, provides professional feedback, and ensures that his clients can start a worry-free life without financial stress. Thank you Billy.
read moreread less
Edika P.
1/02/2026
Scott is very helpful, thorough , always available for clarifications or answering questions.
I am so thankful for this agency and completing a consumer proposal with this organization.
They made everything very easy to understand and less stressful in dealing with a stressful financial situation.
They are very well informed , know what they're doing and I place my trust in them to help me moving forward until I've completed my monthly payments .
read moreread less
Tim P.
7/13/2020
I am dealing Brian Mcllmoyle regarding filing of a consumer proposal. I have found him to be extremely professional, very knowledgeable, and self less. He acted in my best interest in a very timey and considerate manner.
I would certainly recommend him to anyone who has managed to get themselves in over their head financially.
Thank you so much Brian.
Regards,
Tim
read moreread less
Ruslan B.
7/18/2019
Had serious issues. They helped me. Even though they were unable to discharge everything I'm still happy with reduction of my debt and stopped creditor calls. Most importantly the stress has stoppedwhich is only good for my mental health.
read moreread less
A G.
9/11/2020
Got an appointment to talk about my credit score right away. Diane C helped me get my credit report fixed of errors and she even found errors that I didn't notice. If it wasn't for her they would have continued to hurt my credit score. She did everything for me, explained what was being done, answered all my questions, gave me excellent advice on how to proceed in the future, and she was fun to talk to too! Thanks Diane!
read moreread less
Soundboy m.
1/06/2026
I made the correct decision to do my consumer proposal with Hoyes Michalos associates.
read moreread less
Lene B.
4/05/2019
A big Thank You to Shannon Desaulniers, who met with me several times during the last few months. This lady really knows her stuff! She is fast and efficient with communication/emails, paperwork/documents, hardly any papers on her desk, as she scans all your important documents and gives them right back to you! I would say she's almost gone paperless, she is definitely saving some trees! Shannon knows all the laws/regulations surrounding insolvencies and so much more, as she is a professional experienced trustee. Don't hesitate to book a free consultation with her. She was caring and thoughtful, while taking into consideration my individual circumstances. Thank you for all your help Shannon! Much appreciated!
read moreread less
Narina G.
7/08/2021
Do not hesitate to use their services. Their staff are very caring and compassionate. Maureen Parent is extremely helpful, kind and professional.
read moreread less
David B.
12/23/2020
I have had an excellent experience, working with Mark Borysiak and Hoyes Micholas.. I was really nervous at the beginning of the process but Mark made me feel completely at ease and valued. He took the time to patiently explain my options. He answered all of my questions and continues to be available as needed. I feel like a big weight has been lifted off of my shoulders. I highly recommend, this company and especially Mark.
read moreread less
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.
