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

Ron

8/03/2023

I would like to thank you MR. Benny for all the help you have provided me. You and your team did everything you said you would do and more, and because of you I am getting my life back on track. I could not have done this without you, and for that I and truly grateful.
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Dena F.

5/24/2022

Scott Terrio and all the staff at Hoyes, Michalos have been extremely knowledgeable and helpful during the financial process I've gone through. Scott has answered every question I've had and advised me what the best process and steps would be for my situation. Highly recommend.
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Steve F.

9/19/2020

Great experience dealing with Jason Quinney and his team at the Brampton location. Would recommend 100%. I thank them for helping get a weight off my chest and for a fresh start!
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Vic S.

4/01/2024

My experience has been wonderful. Kristen has been wonderful to deal with!
and she was amazing. She went over and beyond to help me in my situation. As well as bringing to my attention the other options .
Hoyes and Michalos saved me
now I can breathe!
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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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Paige D.

8/09/2022

lovely to have someone to set financial goals with and help with rebuilding my credit!
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Brianne

12/08/2022

Brian has been very helpful and patient with his service. He took the time to answer all questions and concerns I had when making such a huge step to move forward financially, he gave reassurance when necessary. I recommend Brian for any financial troubles you may be having.
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Bazl S.

6/21/2021

Very professional yet also very friendly. I highly recommend this firm.
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David M.

1/04/2021

I admit I was very embarrassed to find myself needing to inquire about making a consumer proposal. My counsellor Maureen, however, quickly made me feel at ease. She was understanding, kind and nonjudgemental. The process of making the application was actually both painless and helpful. I was surprised and relieved when Maureen gave me the news that my proposal had been accepted. Now my finances are much easier to manage!
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Michelle W.

4/22/2020

Best thing I did was go for some financial relief and advice with Hoyes and Michalos. They went through my options to help steer me on the right path for a better financial future and piece of mind. I am in the right path for my family and I to come out ahead on the future. Staff are very informative and helpful.
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