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
Crystal B.
5/11/2021
I contacted Hoyes to file my bankruptcy. They took me in, assisted me at getting myself situated appropriately, refereed me to dealerships that dealt with my situation, fully and completely made my experience and transition process run smoothly and when i was completely ready to complete the process. If ever i were have someone ask me where to go out of the places I made my inquiries reagrding my situation... Hoyes would have my refdrral!!! Thanks to Ian at Kitchener Hoyes.
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Afzal A.
8/15/2023
Mr. Benny couldn’t make the process any easier. He will walk you through step by step. I 100% recommend him and his team to anyone with debt.
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A G.
9/08/2020
The best decision I ever made was contacting them! Brett Nicholson was amazing and took the time to answer all my questions in person and over email. He helped me every step of the way and made the process easy. Mariya was also great and very helpful! My experience overall was amazing and I would highly recommend them. Forget any other company, you need to contact Hoyes!!!!
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Rocket R.
8/01/2023
Billy at the Burlington office is so comfortable to deal with very professional and very helpful. He made sure i was aware of the proposal process and made sure everything was submitted promptly and all proper documents were submitted to prevent any delays. I would highly recommend Billy at the Burlington office if you are looking to get rid of bad credit.
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Rasta F.
1/12/2020
I will always refer anyone H.M.&A. My case was handled professionally and confidential. R.Martyn was my trustee and understood my situation better than i did and had me totally relieved with my resolution. G.G.
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Rebecca W.
6/13/2022
So I had a good and bad experience with them. Some of the team are friendly, and some aren't so friendly. My whole bankruptcy went fine until it came for tax time. Come tax time the person who does the taxes ended up changing my marital status causing me to owe the government money that I don't actually owe them. It is now 4 months later and the government is still giving me issues with this. They are good to use, but when it comes time for taxes make sure they know if you are single or common law 1000 times before they do your taxes. Otherwise u will end up owing a stupid amount of money that you don't actually owe.
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W B.
5/25/2022
What can be said. What seemed so daunting turned out to be a miracle solution in the form of a Consumer Proposal. Jason was a champ, being completely non-judgmental and confident. Do not hesitate to call them if the pressure is mounting. You'll be forever grateful you did. 5☆
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Robert R.
4/19/2024
Hoyes Michalos has truly been a lifesaver for me from the moment I contacted them. From the initial consultation to ongoing support, their team has been nothing short of exceptional. I cannot thank Rebecca enough for her unwavering assistance and guidance throughout this process. She has been by my side every step of the way, offering valuable insights and ensuring that I feel supported and informed.
I highly recommend Hoyes Michalos for anyone seeking financial guidance and assistance. Their professionalism, expertise, and genuine care for their clients have made a significant difference in my journey towards financial stability. I trust them implicitly and am grateful for their continued support. Thank you, Hoyes Michalos, for everything you do.
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Rosie-Ann “.
2/23/2021
Hoyes did an excellent job. I highly recommend them to whoever is going through financial hardship. Benny, Janette and Cristina had excellent communication skills. They listened, understood and kind. Always on the ball. They go through everything with you. Didn’t miss a beat. Quick to respond to calls and emails. Great work you guys.
Keep it up. Definitely hard to find people like you all.
👍🏾👍🏾👍🏾
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Marcia M.
1/26/2021
Hoyes has been amazing with us. We were struggling to make ends meet from paying off debt to even paying bills, but when we called hoyes they were there for us. So if you are struggling, then they are the company for you. Thank you hoyes.
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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.
