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
Cody B.
11/21/2019
Amazing. Weight lifted off my shoulders, staff are so easy to talk to, easy to get ahold of, responds to emails, gives honest feedback to help you clean up your debt mess.
read moreread less
MK A.
2/03/2026
Highly recommended!! I worked with Scott and he truly changed my life. I am very happy with the results and I feel a huge weight lifted off my shoulders. Thank you for your amazing work!
read moreread less
Denise L.
10/08/2025
Super easy & friendly to deal with. Always answered everything quickly and in a timely manner. Never questioned a thing with them and really help you understand your situation without making you feel small.
read moreread less
Marissa K.
6/22/2023
Jason helped my husband during the process of starting a proposal. He was very helpful and answered all the questions my husband had. He has been great to work with, and responds very quickly to any questions or concerns we may have. My husband's mind is now at ease all thanks to Jason!
read moreread less
Lisa W.
11/23/2023
I was panicking on what can I do next . No money working 40 to 50 hours a week and I still could not make ends meet. The anxiety I had that I would be living in the streets but Hoyes,Michalos and associates where wonderful within a couple of days everything was completed I have 1 payment instead of several .Creators are happy which makes me feel better and finally under control of my own finances. They are there to help with any questions . The counseling meeting are great they give you good tips to follow, to help with a better financial life . I would recommend them for your financial needs .
read moreread less
Cierra B.
6/11/2019
Despite it not being a good thing I was there for, working with Nicholas from Hoyes was a great experience! It has been the best thing I have done this past year. Nicholas was always very helpful and provided me with a lot of knowledge and support throughout the process. I even recommended my friend to him as well! For anyone looking to get their financials in order, this is the place and the people to work with!
read moreread less
Natasha C.
5/14/2019
Nicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He helped me through the process and made sure I understood and always gave clarification when needed. Highly recommend using Hoyes! Thank you again, Nicholas!
read moreread less
TERRY B.
5/30/2020
A very relaxed, non judgmental initial interview laying out the appropriate action for my circumstance. Follow-up visits reinforced the feeling of being respected and being able to discuss the process and report filings in a very cordial, informative environment. Definitely, it has been a very pleasurable experience so far, as I continue to deal with the reality of having to file for bankruptcy.
read moreread less
John M.
10/23/2023
Thank you so much Maureen for all your help I enjoyed our discussion today the information that you gave me was very helpful and I will use this information moving forward to help better myself in my life thank you so much for everything that you have Brennon have done for me I look forward to the info I Receive moving forward.
read moreread less
shoshana h.
8/31/2023
I fully recommend these professionals, Maureen was extremely caring and honest, she made me feel like I was a priority and she looked out for my best interest, very rare in this profession.
All departments are knowledgeable and communicative, they made a very stressful situation much easier than I expected
read moreread less
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.
