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
Nicole H.
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!
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Michael D.
11/15/2021
I really appreciate the speed with which Benny addressed this matter. I have a big load off my mind now that the creditors accepted the proposal.
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chickitah
12/18/2025
The whole experience was smooth all communication was timely. I'm glad I went with Hoyes, Michalos & Associates. Specifically thank you Douglas Hoyes it was a pleasure working with you!
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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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Mubashar “.
10/27/2020
An excellent group of down to earth professinals who provide superb advice and service.
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April H.
6/26/2023
Hoyes, Michalos & Associates are ONE OF A KIND. Passionate people that want to help you. I needed help extremely bad. About to lose everything, no money left, debts still there!! I had no other choice to get help. I called this firm and they helped me immediately! Very quick and easy process to get debt free with an extremely low monthly payment compared to all the piling up debt payments. I would and have recommended Hoyes, Michalos & Associates to people to get some ease back in their life. Trust me, you won’t be disappointed!!
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Farid Y.
12/16/2019
Hoyes Michalos really helped get me through the worst experience of my life, very experience and professional staff in Scarborough office. Highly recommended them.
Farid Yassin.
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Sam S.
7/02/2020
They aren't kidding with the whole "debt free in 30" (minutes). I spent a total of one hour at the office during my entire 9 months of bankruptcy. They get to the point while still providing options. They know what they're doing.
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A G.
7/08/2020
Extremely professional and knowledgeable team.
Sandra is incredibly experienced and the provided support is invaluable.
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Svetlana L.
2/26/2019
Life happens, and going through financial struggles can be nerveracking. Benny and Janette went above and beyond to provide me with all the information, understanding and support I needed in order to make the right decision for my situation.
They always answered promptly any questions I had, and guided me step by step through some uneasy choices.
I can now breathe easy thanks to their professionalism!
Highly recommend!
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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.
