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

Cynthia H.

2/12/2021

Brian has helped us immensely through our financial issues. He is extremely knowledgable and professional. I researched other trustees as well as lawyers and am so grateful to have found Brian. He has relieved a huge amount of stress from our lives.
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Lori C.

8/16/2020

Excellent service and very professional !
I was very apprehensive, the team at Hoyes Michalos put my mind at ease and walked me through each step. Thank you all so much and a huge thank you to Brennan!
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Lindsay

8/10/2020

I am so Thankful for all of Mark and Michele’s guidance. I would highly recommend them. Thank you for everything.
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Gloria N.

9/18/2018

I highly recommend the services of Hoyes Michalos Associates. I went to their Guelph office and was given helpful, honest, and useful advice. They helped me solve a long running financial problem and gave me a new lease on life. Each step was explained fully and I was given choices I never knew I had.
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Carrie M.

12/06/2022

I contacted Hoyes Michalos after years of trying to deal with debts and feeling like I couldn't keep my head above water. I received a reply to my inquiry very quickly and began working with Scott. He has been so helpful in explaining all options and helping me find one that works for my situation. He has continued to be a huge help, always answering questions and responding quickly to any emails or calls. I will highly recommend Hoyes Michalos and Associates in the future.
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omar a.

12/13/2021

Not only are they professional. But they are very personable and friendly. Their main job is to help you, and they've certainly assisted me when I needed it most. Amidst a global pandemic at that.
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Kevin S.

4/05/2024

Maureen and her team were fantastic, and made the process completely painless. All my questions were answered quickly. What a relief to know that I had someone in my corner fighting for me.
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Mhaie G.

5/19/2021

Hoyes, Michalos & Associates are really helpful to people who are having financial difficulties and dealing with their debt problems. I highly recommend this company if you want to be debt free and have a better life.
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Kezaabu A.

2/16/2019

Words cannot express my appreciation to Hoyes Michalos & Association. I was going through difficult time financially and was looking for ways to solve my problem. I came across this company on the internet I called and I was given an appointment almost immediately. I met with Brian at the Mississauga office and he guided me with options to get me where i am today... I highly recommend Hoyes Michalos & Association... Thank you so much for making me feel at peace...
Kezaabu
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Marnie M.

6/08/2023

I had approached Consumer proposal a couple of times. I never felt comfortable to follow through until recently. Joel was fantastic, professional, non- judgemental and explained everything so I could easily understand. With their help, a big weight has been lifted off my shoulders. I can't thank Joel and the team enough.
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