2549 User Reviews

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.

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Personal Bankruptcy

A legal process to eliminate debts, stop collection calls and give you a fresh start.

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Debt Consolidation

Compare options to combine debts into a single, lower monthly payment.

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Credit Counselling

Professional advice on budgeting, debt management, and more—we're here to give you debt solutions.

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Our licensed professionals will help you explore your debt relief options.

What our clients say

Barbara B.

1/06/2020

Please note this firm was most helpful in the consumer process and felt at ease with same. I would recommend this firm
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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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Kieran J.

1/11/2024

Maureen provides the highest level of service and customer care in the industry. She's built for this type of work dealing with people at low points and providing them with a clear path to financial freedom.
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Bobby

7/29/2024

Brennan and Maureen have been wonderful. They were very helpful and accomodating. I felt relaxed and at ease talking about my financial situation with them as they guided me through a very helpful process.
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Emily N.

11/26/2024

Brennan, Joel and the teams at Hoyes, Michalos & Associates are extremely knowledgeable, quick to act, and informative. I was hesitant about exploring my financial options and I am glad that I found this team. They are open to answering any questions, the process is seamless, they take care of the business with folks you likely don't want to speak with (creditors) and there is absolutely no judgment. Very flexible and accommodating - highly recommended.
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G D.

1/14/2021

The staff here are very professional and compassionate about what they do. They walked my wife and I through a difficult period in our life and helped us get everything back together again. We are now debt-free with a level of stability and savings we never thought would be possible.
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Candra P.

12/22/2020

My experience with Hoyes, Michalos & Associates has been exceptionally pleasant and educational! I felt no judgement from the first phone call right up t proposal drafting , to proposal acceptance and beyond! I’ve really enjoyed the Debt Free In 30 on YouTube as well. Really changing my relationship and way of thinking about money, finances and how I manage them! Very happy I took the first step and contacted the team!
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Alexey D.

11/03/2019

Great service! Nicholas explained everything in detail and made the experience very easy. Thank you for the help! Highly recommend.
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douglas m.

5/21/2022

a very good experience, The first meeting I had at the office was very helpful, I was given a lot of information, budgeting, cost of living etc….. over the course of my proposal any question, I knew the office would address all concerns I had…..There are adjustments available, if I had to miss a payment, the call center was the best, very supportive and supper nice, always a pleasure taking with them, they allow a missed payment or two, so I could stay the course and resume my regular payments
It’s a company that, supports and commits to your case
Thanks guys
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Adrian c.

4/07/2022

I would highly recommend this company hoyes,michalos and associates .I feel no judgement at all mr benny was really kind and helfpul and easy to reach out.thumbs up for your service.
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