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
Vinny C.
2/01/2024
This is the second time I've used their services to help me with my debt. First in 2010 and now more recently. Both times have been pleasant and friendly experiences. I highly recommend them for your debt needs
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N 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!
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M F.
6/09/2020
Odds are you've waited too long to read this, working with Scott and Diane has been extraordinarily productive.
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Munro B.
1/05/2021
I would like to keep my exact business with Hoyes as private as possible. However I would highly recommend this firm. Twice in the last year I had to phone for help and someone from their staff always gets back to me within a couple of hours tops ! They explained the legal matters to me so they made sense. Check them out.
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Josephine
7/15/2020
Going to Hoyes, Michalos & Associates Inc. is the best choice that I have ever made. They were very courteous and helpful to my situation. They answered and addressed all my questions and concerns I had about my situation. I was recommended to have Hoyes, Michalos & Associates Inc. help me out and I am really glad I made the choice.
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L F.
3/02/2020
I always prided myself for being independent and capable of taking care of myself financially. However, things happened in my life and I found myself in debt. I reached out to Hoyes and met with Janet first and then Benny. They were able to help me submit a consumer proposal and knock down my debt. Benny's been very supportive and I've learnt quite a bit about debt management and preparing for reestablishing credit. Don't hesitate to reach out to them!
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gnenwxyt
9/13/2020
I like to say that hoyes is giving me a new fresh start and has helped me big time with giving me a plan to get out of debt.
Gene Carter
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Jaclyn M.
3/11/2025
Joel has been an absolute pleasure to work with, gave me a ton of information in a way that made sense to me, and has helped me take the leap into finally dealing with my debt, once and for all. For the first time in my life, I have hope for my financial future.
Heather has also been great and given me valuable tips and insight into rebuilding after a consumer proposal, and managing my finances in a way that will keep me out of trouble in the future. Cannot say enough good about Hoyes, Michalos & Associates.
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Tricia C.
3/19/2021
I would highly recommend Hoyes Michalas. They always responded to my inquiries in a timely manner, I never felt rushed and they went out of their way to explain all of my options. They provided me with excellent advice and an option which allowed me to get back on track financially and provide security for my family in the long term.
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Betty B.
2/08/2023
The professionalism and care Scott has taken with me is impressive. If you don't know where to turn in times of trouble you must go here. They take so much care in your finances and truly care at getting you back on track. Thank you so much Scott
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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.
