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
PAUL H.
11/10/2022
Mark Borysiak helped me immensely in getting my affairs back in order. Would 100% recommend.
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Buzzard H.
5/02/2023
I had a meeting with William (Billy), He was a great support and answered my worries without judging me. I love the help and support. I will not say definitely going back there again, because I'm not going to go through this again.
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Alyssa H.
8/01/2025
I have been struggling financially for close to 10 years, a friend of my reccomended Hoyes, Michalos & Associates to me, I was a little apprehesive at first, but Brian, Wendy and the team have taken great care of me. I have learned so much and am far less stressed.
Thank you so much!
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A G.
8/31/2020
The team is very knowledgeable and helpful. They explained everything to me. They were always available to send any answers to my questions. Thank you.
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Allie G.
1/27/2023
Doug Hoyes and the entire the team at Hoyes, Michalos & Associates are top notch. Having run into some very difficult financial situation for my family and having no where to turn, we contacted Doug Hoyes for advice. Doug has gone out of his way to help and provide any level of comfort he can given our tricky financial debt. Everyone here in the Ontario location is incredibly courteous and equipped with expert level knowledge and advice. We, of course, never want to run into our financial situation again, but if we do, there is only one place we would call and that's Hoyes, Michalos & Associates. Amazing people, amazing company. If you find yourself in need of help, these are your people.
Seriously, they will listen to your financial hardships without judgment and point you in the right direction toward debt alleviation. Doug has personally given me the confidence with my own situation. I can't recommend him enough.
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Ana D.
10/18/2021
Maureen has been amazing through this entire process. She has helped my family without judgement. She has made everything so simple and stress free. Our only regret is waiting so long before contacting Hoyes, Michalos & Associates
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Ashley C.
5/21/2024
Brian was very helpful and made navigating a proposal smooth. He explains everything and makes sure you understand everything.
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Fernanda B.
6/13/2025
Hoyes, Michalos & Associates helped me navigate my personal finances in a way the left me feeling in control and like I made the best decision for me. The process was quick and easy and they were always available for all the questions I had along the way.
A special thank you to Jannete and Nicholas for making this process as uncomplicated as possible!!
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Georgina W.
2/27/2023
There is nothing more embarassing than to admit in your later years having worked all your life that you cannot make it financially and need help. The stress was unbelievable and it was affecting me both personally and professionally. I took the step after much trepidation and I am so thankful that i did. Knights in shining armour do exist and his name is Ian. I knew I was in capable hands the moment we spoke, the comfort level and connection was immediate. All my questions were answered and i am now in control of me. Anyone who is struggling with debt and feel like they are drowning with no hope, make the call, the resources, the support you receive will change your life.
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Masuma M.
10/21/2024
I am Very grateful to Hoyes, Michalos and associates. I am meeting with Scott and he is so helpful. He was helping me with my bugdet, finance and debts. He helped me to get rid off my debt in no time so that I could be able to do a fresh start.I highly recommend whoever is in debt and want to
Do a fresh start and debt free life, please contact them.
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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.