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.
7/06/2020
I do appreciate the warmth and compassionate way of dealing with clients through a very difficult period. Excellent job Maureen.
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Andrew H.
9/08/2020
The best decision I ever made was contacting them! Brett Nicholson was amazing and took the time to answer all my questions in person and over email. He helped me every step of the way and made the process easy. Mariya was also great and very helpful! My experience overall was amazing and I would highly recommend them. Forget any other company, you need to contact Hoyes!!!!
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Brett W.
5/04/2023
Mark made this process stress free and I really appreciate the support I received. I would recommend Hoyes, Michalos and associates to anyone. Great people and great help in a time of desperation and need.
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J A.
8/12/2020
Thanks to hoyes michalos, I was able to get rid of all my student debt and get a fresh start to my credit. Honestly I dont know where I'd be right now if they hadn't helped me with my consumer proposal. Of you're having trouble dealing with debt I'd highly recommend them!
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Mickey B.
6/07/2023
Nicholas had an impressive level of professionalism, knowledge. He created a great case for my proposal, knowing how to best deal with the banks. I got my consumer proposal approved in the 1st attempt, and getting back my sleep and my mental health back on track with easy affordable monthly payments. About two thirds of my debt dissappeared into thin air overnight.
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Ian P.
7/29/2020
These wonderful people helped me immensly. Definitely a team you want on your side.
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Linda
9/27/2024
There are no words to express how very grateful I am to Benny and his team for helping me through a difficult financial time in my life. I was treated in a professional and respectful manner and given the tools to manage my finances and make better choices. I highly recommend Hoyes, Michalos.
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Doris B.
12/01/2023
Jamie always took time for me when I called or e-mailed. She was friendly, helpful and professional in my dealings with Hoyes, Michalos. She showed a great interest and made me feel like I was your only client.
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Nicole
7/21/2025
I worked with Bill to manage my debt. I am m grateful for their help in working towards a debt free future. I no longer feel like I am drowning. The process was simple and they explained the process through every step
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Kayla C.
10/21/2020
Great experience! Helped relieve years worth of stress. Very friendly and easy to talk to! Highly recommend even if you just have questions.
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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.
