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
Laura S.
12/21/2020
I would recommend highly the services here in Barrie. Mark and Michelle have made me feel so comfortable at a time of discomfort in my life. They both put me at ease and have helped me to rebuild my financial start to recovery.
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Kerry P.
7/17/2023
I recently went through the consumer proposal procedure and was assisted by Mr. Jason Quinney. I'd want to share my great experience and strongly recommend their services to anyone in need of financial assistance.
The communication was excellent throughout the entire process. Jason was timely in responding to all of my questions and concerns. He provided detailed explanations, ensuring I understood what was happening at each level. I admired his commitment to keeping me informed and involved throughout the process.
My consumer proposal was accepted, and I am now on the road to financial recovery, thanks to his skill and guidance. I cannot describe how grateful I am for the assistance I received.
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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.
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Travis J.
8/02/2022
This is a really great place they are helping me get my life on track I would definitely recommend
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Sweeta Y.
1/23/2024
Brett Nicholson is an excellent trustee and my experience was highly positive. Brett demonstrated a deep understanding of the insolvency process and provided clear, comprehensive guidance throughout. Their professionalism and responsiveness were commendable, ensuring that I felt supported and informed at every stage. Brett expertise and transparent communication made a challenging situation more manageable, and I appreciate the diligence and care hun and his team brought to the process. I have already recommend their services to 3 family members seeking assistance with their financial matters. Thank you
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ARIO
4/17/2023
I want to thank Maureen Parent and Brenan for their kind help and support in this difficult times. They are pretty quick and accurate in what they do and I felt quite confident throughout the process. I was really stressed out for my financial situation and I found lots of support and great advice from them which I appreciate so much. Very professional, knowledgeable, and friendly people. I recommend their services for sure to friends.
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A C.
5/08/2024
Hoyes (particularly Jamie from St Catharines) was very professional and friendly. She helped me considerably reduced my debt and now I can focus to save more money and only pay a very small amount per month. Thank you very much Hoyes for your service
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Eve D.
7/05/2022
I have had the absolute pleasure dealing with Brett and Brennan from Hoyes. The entire process thus far has been smooth, comforting, reassuring and educational. The amount of stress they have relieved me of is beyond the point of thanks. I hope to anyone reading this, anyone who may be unsure of where to turn or who to turn to considers Hoyes.
If you’re struggling financially, going through large life changes, and you need to find people who care, please reach out to them. They have saved me my health, my money, and my future. Don’t wait or look any further, a new beginning is waiting for you!
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A G.
6/23/2020
My experience with this company is the best by far. Not only do they know their line of business their compassion towards their clients is very refreshing in today's society.
The staff at this location are knowledgeable, understanding, very kind and patient. Not only do they help you through the process, they actually listen to you a rarity in today's businesses. I am truly grateful that I found them in a timely manner.
I have had nothing but a positive experience here. Windsor staff I applaud you and the lengths you go to create ease when dealing with clients.
Linda
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Alexsander J.
3/23/2020
They really help me out definitely a five star place to deal with
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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.
