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
Linda p.
5/25/2022
I cannot express deeply enough how much I appreciated the help of the Barrie office of Homes, Michelos & Associates during my difficult financial times.
They walked me through my options and helped me decide how to deal with my problems in a manageable way.
I am now proudly out of debt, staying current with all my bills and also putting a little bit away in savings regularly.
Thanks so much !!!!
read moreread less
Johnnie K.
7/04/2022
Brian and all his associates helped us navigate our financial situation after we had to exit our business. His advise, knowledge and understanding of our situation on a personal and professional level was amazing. Always professional, approachable and worked in the interest of us. Highly recommend you talk to him and his team if you feel there is no hope!
read moreread less
Jerwin V.
11/11/2024
I recently had a credit counselling session with Hoyes, Michalos & Associates, and I couldn't be more satisfied with the experience. Brennan Thompson was professional, knowledgeable, and very helpful. He provided me with clear, step-by-step guidance on how to rebuild my credit, as well as useful resources that I could easily access afterward. The process felt personalized, and I never felt rushed or overwhelmed.
I also worked with their trustee, Benny Mendlowitz, regarding my bankruptcy issue. He was incredibly understanding and provided clear information that helped me navigate a difficult situation. Additionally, Brennan's assistance with my OSAP concerns was invaluable, ensuring I had everything I needed to move forward.
If you're looking for support in managing debt or rebuilding credit, I highly recommend Hoyes, Michalos & Associates. Their expertise and supportive approach made a real difference for me.
read moreread less
fanny o.
4/25/2022
I'm so thankful I met Jason Quinney. He really helped me get out of debt and back on track. Everything was done efficiently and he wasted no time. I recommend anyone who's struggling financially to consider seeking help from him or his colleagues. Thank you Jason for all your help.
read moreread less
Marlene W.
2/18/2020
From the very first time I spoke to Alison I knew I had made the right connection during a time that was extremely stressful and embarrassing for me. Alison gave me a detailed description of the options available to me and it was obvious that bankruptcy was the only option that made sense for my situation. My initial appointment was set up quickly and the rest is history as they say. The whole process was painless and I was put at ease immediately . The relief I felt was wonderful. Any time I had a question all I had to do was send an email and I quickly received a response/answer. Thank you Alison...and the Hoyes, Michalos team!
read moreread less
Andy C.
9/05/2021
They are truly a caring firm. Both professional and compassionate. Thank you for understanding my concerns and needs. I'm forever greatful. Sincerely Andy Crawley
read moreread less
Susan G.
7/05/2025
Not all trustees are created equal and Billy is one of a kind. He’s a Godsend; he makes you feel human again and hopeful. I could not thank him enough how he made things easy for me.
read moreread less
Kristal L.
3/18/2021
I was very impressed with the quality of service I received and the availability of the team. They were always punctual with answering emails and phone calls and made conducting business with them a pleasure. Thank you for your guidance and professionalism.
read moreread less
Vanessa J.
8/31/2023
Mark has been great with helping me resolve my debt concerns. He helped reduce my overall debt way more than I expected and is always quick to respond to any questions I have. I highly recommend them.
read moreread less
Adam C.
7/21/2020
Very professional group of people that help you take the next step to a brighter future.
read moreread less
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.