Hoyes Michalos has helped over 40,000 Ontario residents become Debt Free since 1999. We can help you get out of debt too.

Are you in need of payday loan help, credit card debt help or tax debt forgiveness? Perhaps you just need some guidance understanding the debt services that are available to you.

We’ll explain all your options & help you choose the best debt solution for you

  • Debt consolidation
  • Credit counselling
  • Consumer proposal

Bankruptcy is a last resort but if it makes sense, we will help you through the process.

Reduce your debt by up to 70%

Here is an example of what your monthly payment might look like if you are trying to settle $40,000 in unsecured debts:

Debt Relief Cost Comparison

Find out what option is best for you.