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.
Our licensed professionals will help you explore your debt relief options.
What our clients say
Sylvie P.
4/15/2020
My husband and I dealt with Rebecca in the Windsor office. We both filed for consumer proposals and were nervous and embarrassed. She was incredibly helpful, professional and non judgemental, and guided us through
the entire process. The proposals went really smoothly, it was a whole lot easier than I thought it would be.
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Adriana S.
8/24/2022
Professional, eager to help. Great communication. Got all the information I needed and the result of our proposal was successful. 100% recommended.
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Natasha G.
10/27/2023
I would highly recommend Hoyes, Michelos and Associates. They are very helpful and offer many resources in helping with your credit situation.
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Brenda S.
8/02/2023
It took me to cut my pride to reach out for help. I had never been in this situation in my life until now. I reached out to this business and wow, I was blown away at the friendliness, help, and guidance for my situation. They are very thorough and knowledgeable. Thankyou to the London team.
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Colette S.
7/02/2022
Very friendly and knowledgeable staff. Highly recommend them for help.
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Gerard D.
3/10/2024
if you are dealing with a lot of debt hoyes Michalos and Associates is the place to go to ... I know the first step is hard but once you do it you will have no regrets...am on the other side now I have completed my proposal ...thank you again to the team in Scarborough.
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Andy C.
6/25/2020
They are great first time and hopefully last time doing a proposal. They are fast and professional and put you at ease. Kirsten was amazing with the counselling sessions great advice and tools that will always use. Thank you again
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Wilvens P.
12/12/2024
I would Like to take a few minutes to thanks All the staff from Hoyes, Michalos for the great services. I would like to mention Mauren Parent, I wanna say thank you, thank you for everything you have done, make me comfortable, talk to me as a family while you doing your job. I can not thank you enough but God Will.
I also want to thank Brennan Thompson, you are amazing.
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Russel M.
11/30/2024
Stop wasting your money and time..call this office, they will help you from day one, to the date of discharge. Best experience I've ever had. Mark was amazing and very patient. Found a way to help my life turn for the better and put a stop to endless bills and disgusting interest rates. Now being successfully discharged I'm able to start from scratch and learn from my past mistakes.
Thank you for this chance Hoyes!
Kind regards
Russel.
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Michael H.
2/02/2021
Very friendly, responsive and extremely helpful. If you are stressed out, feeling overwhelmed and need some help. Then you have to reach out. I wish that I would have done this earlier.
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We help you get out of debt
We can help you eliminate most types of unsecured debts, including:
credit card debt
payday loans
tax debt
loans and overdue bills
student debt
Need debt relief help?
Arrange a free consultation in any of our locations accross Ontario today.
