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
Jorge '.
8/18/2022
My experience with this company has been top knotch. I highly recommend using their services if you feel like this is the best option you have.
The pandemic really took a toll on my life financially so I needed to get myself out of a deep hole. I am glad that I found this company after doing extensive research.
Jason Quinney has helped me out a great deal and has been nothing but professional. Ask for him if you need any help taking care of your finances.
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DJ P.
4/11/2022
I got excellent help from Hoyes, Michalos with a consumer proposal, which is now completed. This was a huge stress reducer.
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Ken C.
1/10/2022
The Team at Hoyes, Michalos very helpful and it has been a pleasure working with them. Scott has been extremely helpful and clear and explained everything that I needed to know.
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Laura L.
11/04/2020
I had a consultation with another debt relief agency about filing for a consumer proposal and they asked me for 400.00 upfront which made me suspicious about them. I'm very intuitive and didn't have a good feeling about them so I called Hoyes, Michalos and Associates and as soon as I talked to Sandra Sykora and heard how knowledgeable, experienced, kind and understanding she was I knew I would use them to file my consumer proposal. They all are licensed insolvency trustees. She never asked me for any money and she also never heard of this other debt relief agency so the public needs to be aware of this. She has helped me tremendously through a difficult time in my life always making me feel at total ease and comfortable. I would highly recommend this company and especially Sandra Sykora. She is outstanding!!
Laura L
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Edward V.
2/01/2020
Benny provides an excellent service, I'm paying down a fraction of my debt. It's well worth coming in for free and see what he has to say. No regrets.
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Andrea W.
12/08/2021
I signed up for a consumer proposal back in 2017 and I finished it Nov. 2021, a year early. The staff there was always helpful, knowledgeable and quick to get back to you. If your struggling and need a place, I suggest Hoyes, Michalos and Associates.
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Andre C.
8/17/2021
Reached out to Hoyes, Michalos and Associates when I was overwhelmed and in need of help. The staff were nothing short of friendly, informative and reliable. I had the pleasure of working with Doug in particular who was easy to open up to speak about sensitive financial matters.
They made the whole process easy to navigate and are super helpful if you have any questions.
Would highly recommend!
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Candice F.
4/19/2020
Have to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I got called in to meet with patty. Man do I not regret going with this company. Patty was very welcoming and treated you like family, no judgment she was there to help not make you feel worse then you already feel. So thank you patty and the whole Hoyes for helping me get back on my feet. 100% would recommend this company..
Thank again!
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Thinesh R.
7/19/2021
Jason was very helpful and professional when assisting me. He made the process very easy, and I am extremely happy with their service! I would definitely recommend them!
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Marianne W.
9/03/2019
Hoyes and Michalos and Associates have been wonderful to work with. The listen to my concerns and together we worked out a very suitable result to my problems. And I didnt have to resort to bankruptcy! I highly recommend Hoyes and Michalos and Associates for credit problems! Best of all.....they didnt judge!
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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.
