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
A G.
7/08/2020
I had my own worries and concerns when contacting Hoyes, Michalos but after talking with Billy Martell and Beau Humphreys I am at ease, I have knowledge and on my way to a Fresh Start. Thank you.
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Kaisar
11/05/2025
I have a great experience working with this company and Jason Quinney (LIT) on my consumer proposal. Jason was so helpful and incredibly respectful throughout the entire process. I never felt judged or pressured to make any decisions, everything was explained clearly and handled very smoothly. Thanks to their support, my proposal is approved. Highly recommend their services!
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Chris M.
5/05/2022
I just declared bankruptcy with hoyes michalos and was extremely satisfied with the service. I was dealing with Benny, I found him to be a trustworthy, kind and patient man as well as extremely professional. I highly recommend this firm, they made the experience run smoothly and I thank Benny from the bottom of my heart!!!
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Jessica H.
10/26/2022
Billy and the rest of the team were so great at making me feel at ease. Not only was their customer service exceptional- but the results were completely favorable.
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Steve A.
11/11/2019
I was looking for a place to do the proposal and you guys came up and you seemed to meet my needs. I spoke to Nicholas and he told me to come in and see him, he helped me out and it felt like I hit the nail in the head. Everything went well, there was no stumble in between. Very happy and pleased with the services provided by both Nicholas and Diana.
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Kristen F.
5/25/2021
Hoyes, Michalos & Associates, help me so much. They are very fast and efficient with answering any and all questions you may have. They also make sure to keep you update to date with everything going on with your case. Thank you so much for helping and relieving so much stress.
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Andrina J.
9/21/2022
I have had nothing but a great experience from the moment I called them for help with my debt. They have walked me through every step of the proposal and have helped me understand the process as a whole. My credit counsellor, Kristen, is amazing, very knowledgeable and super accommodating to my schedule. Looking forward to becoming debt free with the help of Hoyes, Michalos & Associates. I highly recommend to anyone looking for help with their debt!
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Bryan G.
9/09/2020
Everyone at Hoyes was extremely helpful and professional. They made something as stressful as facing your debt and diving into your personal finances as comfortable as possible and helped me get right back on track.
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Chantal M.
9/19/2021
They are so helpful answering all of my questions. They respond typically within minutes after I reach out. I appreciate the great advice they give, I never one felt judged.
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Michelle T.
4/05/2023
Billy is amazing! He is very knowledgeable and made me feel comfortable right away. I appreciate you helping me take control of my finances again.
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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.
