2549 User Reviews

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.

Learn More

Personal Bankruptcy

A legal process to eliminate debts, stop collection calls and give you a fresh start.

Learn More

Debt Consolidation

Compare options to combine debts into a single, lower monthly payment.

Learn More

Credit Counselling

Professional advice on budgeting, debt management, and more—we're here to give you debt solutions.

Learn More

Our licensed professionals will help you explore your debt relief options.

What our clients say

Andrew H.

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!!!!
read moreread less
Andrew M.

5/06/2021

I received free advice from Hoyes, Michalos & Associates beginning a year and a half before I even filed for consumer proposal. They were so helpful and understanding all the way through. Every conversation I had with them made me feel better about my situation, and they gave me the best advice about what to do at each stage of my situation. I'm so happy I got in touch with them early and took their good advice. They are compassionate, understanding and smart!
read moreread less
JohnnyB X.

2/09/2021

excellent service, extremely understanding and helpful! would definitely recommend their services
read moreread less
Jodi G.

7/03/2023

Ian was great he was beey easy to talk to was very helpful with the process answered every question I had guided me with the best option to suit me he never made me feel like I was less then or made me feel guilty or bad for needing to do a consumer proposal, I was albe to reach him threw call and email very easy he is always very responsive.
I would highly recommend them especially Ian he's great.
read moreread less
Lori R.

9/01/2023

Absolutely the best place to go if you are having problems with debt. Billy Martell is a wonderful consultant and made me feel very much at ease. Recommended! A great weight was lifted from my shoulders and I didn't have to go bankrupt to get out of debt.
read moreread less
Siobhan H.

10/22/2020

Mark and team really helped me. They were so understanding and helpful. It was hard to ask for help but they really are wonderful. I would definitely recommend speaking to the team even if you're not sure where to start. Thank you for all your help!!
read moreread less
Ali F.

1/07/2020

Amazing service, couldn't be happier! These guys know exactly what they are doing.
read moreread less
John C.

9/14/2024

Dealing with Jason at Hoyes, Michalos & Associates has made a stressful, overwhelming situation controllable with his professional, informative, straight forward and likeable personality all while educating and providing positive results for my financial future.
I highly recommend calling Jason if you are at all feeling the need to help with your debt
Thank you Jason
read moreread less
Diane M.

10/13/2020

I cannot say enough good things about every person I have encountered at this company. You are treated with so much respect, my stress level decreased significantly right from the first phone call. They walk you through everything ensuring your dignity each step of the way. Highly recommend, even if you just make that first phone call to talk, they are so supportive and kind. Kristen, Howard and Patty, I cannot thank them enough!
read moreread less
Larry B.

8/06/2020

I’m so grateful to the professional team at Hoyes with their guidance and help they’ve provided me. I would definitely recommend their team to anyone looking for help and rest assured they would do their best in providing you the best support needed to address your concerns to get you back on track. Thank you again!
read moreread less