2665 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

Hoyes, Michalos & Associates Inc.
Licensed Insolvency Trustees for Consumer Proposal, Personal Bankruptcy and Debt Relief in Ontario

Hoyes Michalos | Consumer Proposal & Licensed Insolvency Trustee | Debt Relief Experts

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 binding deal to settle your debt for less than you owe. You can reduce debts up to 80% and keep your home, car and tax refunds. No interest on your monthly payments.

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About Consumer Proposal

Personal Bankruptcy

A legal process to discharge debts you cannot repay. Bankruptcy stops collection calls and wage garnishments, and gives you a fresh financial start.

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About Personal Bankruptcy

Debt Relief Solutions

Our Licensed Insolvency Trustees explain all your options — including debt consolidation, credit counselling and debt settlement — and help you avoid bankruptcy where possible.

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About Debt Relief

Our licensed professionals will help you explore your debt relief options.

What our clients say

We help you get out of debt

We can help eliminate most types of unsecured debt including credit cards, payday loans, tax debt, student loans, overdue bills and stop collection problems that come with them.

Wage Garnishments

Stop a wage garnishment and keep your full pay cheque.

Tax Debt

Canada Revenue Agency can settle tax debt through a consumer proposal. We can help negotiate a reduction in your tax debt liability and create an affordable payment plan.

Debt Consolidation

Combine debts into one payment and compare the costs and benefits of a new loan honestly against a consumer proposal.

Student Loans

If you have been out of school for 7 years, your government student loans can be discharged. We help you get relief from long term student debt.

Credit Card Debt

Barely making your minimum payments? Juggling multiple credit cards? We can help you combine your credit card debts into one reduced monthly payment.

Collection Calls

Collection calls stop the day you file. Your unaffordable payments are replaced by one you can manage.

Need debt relief help?

Arrange a free consultation in any of our locations accross Ontario today.