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
David M.
1/04/2021
I admit I was very embarrassed to find myself needing to inquire about making a consumer proposal. My counsellor Maureen, however, quickly made me feel at ease. She was understanding, kind and nonjudgemental. The process of making the application was actually both painless and helpful. I was surprised and relieved when Maureen gave me the news that my proposal had been accepted. Now my finances are much easier to manage!
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Mohamed H.
5/03/2023
Janette was amazing to work with! Very understanding and helpful. It was a great experience!
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Alicia P.
8/24/2024
Ashley here - through my trials and tribulations with the fall out of symptoms that come with living with C-PTSD, I found myself in financial troubles twice. Both times, Jason was super helpful, professional, made everything easy. High recommend!
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Jeremy F.
3/01/2022
Jason @ hoyesbrampton gave us the best advice possible to help us get out of our financial predicament. Would highly recommend.
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J C.
10/18/2024
Very pleased with hoyes, they were very helpful and cooperative with myself. I would gladly recommend them to family and friends mark and staff were wonderful at the barrie office. Thank you
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Aisha U.
8/20/2022
Thank you for your professionalism, knowledge and promptness Benny and the staff I had the pleasure of dealing with. It made the process a lot easier, while addressing any worries I had through it; making sure I understood why the option I settled for was best suited to my situation. I will definitely be recommending you!! 😊
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Retlaw E.
1/05/2023
I was facing a financial hardship and when I found out about Hoyes, Michalos & Associates they have helped me alot. Thank you for our representative Benny that helped us a lot through the process step by step and made our life easier on dealing with our financial issues. We were able to deal with our issues much easier and less stressful than before. All thanks to Benny.
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Saira Q.
7/29/2021
Brian is easy to talk to, very knowledgeable and helpful. If you're looking for someone to help with your financial troubles and make a plan moving forward, Brian is the one to call. I am very grateful for his time and advice.
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Mike T.
2/20/2026
The trustee was extremely knowledgeable and extremely helpful in being able to answer any questions I had. There was never a feeling of being judged or talked down to, they are there to help you get through this process in a way that is painless and at the end you feel a huge pressure has been lifted from your shoulders
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triniherbzz D.
11/08/2023
Great firm , simple, easy and effective. Other firms could be cheaper but hoyes is sure to help and get a better guarantee.
Nice and communicative staff ,
Jennifer was surly a positive energy that made the process seamless.
Thanks for the service
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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.
