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.

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Personal Bankruptcy

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

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Debt Consolidation

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

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Credit Counselling

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

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

What our clients say

stephen m.

2/12/2024

Amazing company.

Super friendly and helpful throughout the whole process. They were there for me from the moment I called to the day I got my discharge letter. I never expected this kind of help going through the process of bankruptcy but they made the experience easy and stress free as possible.

Thank you for everything.

Stephen mclean
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Dian A.

9/30/2022

Just for one week we have prepared my proposal and filed it. I am impressed with the professionalism, expeditivity and friendly manner of Hoyes, Michalos & Associates professionals.
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Ross R.

7/11/2020

Jason and the team were great! Patient and helped me though the whole process. Should have done this much sooner. Thanks guys!!
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susan c.

3/17/2020

I just want to say how happy I was to work with Angela, Rebecca and Tina at the Windsor branch. They not only were professional with every interaction I had with them, they treated me with dignity and respect right from the time I walked through the door. I went in feeling very over whelmed and left with hope my future would be way less stressful. Thanks girls for all the help you gave mentally and emotionally it was well worth the work. You will not be disappointed by choosing Hoyes, Michalos and Associates.
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Niki M.

6/17/2022

Jason was very informative and organized. He helped me get a better understanding with what I was getting done and I was able to contact when needed and he responded in a timely manner. I would recommend to anyone.
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OnBendedElbow !.

10/01/2021

If you're looking for debt relief then Hoyes is who you need to talk to. They have helped in the past as well and have always been there for me.
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John B.

10/13/2023

My experience with Hoyes, Michalos & Associates was exceptional. From our first interaction to the final outcome, the process was very smooth. They were extremely professional, explained everything in detail and answered any questions that I had. The service they provided was fantastic and I would recommend Hoyes, Michalos & Associates to anyone who would benefit from their services.
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Jordan W.

3/23/2022

One of the easiest and painless experiences ever! ... Billy explained everything very well, answered the questions I had, and has answered any questions I've had since. I feared it would be scary and take so long, but HM&A made it super duper easy, and stress free. HIGHLY recommend these lads for anyone considering Consumer Proposal. I have no regrets at all with my choice, best decision all around I've made in regards to my financial situation.
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Damian

5/27/2024

A wonderful team of people! They're very helpful, and do their best to help through the process of dealing with your debt. Very friendly. 10/10 would recommend to anyone struggling with debt.
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Brandon O.

8/02/2019

Wonderful experience. More people would benefit knowing about this company and their very helpful stuff. My experience with them has been a breeze and a huge help in many ways. Turns out there are people out there who want to help you and are good at it!
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