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
Anthony K.
2/03/2024
Helpful, patient and informative. Jason has been a huge help through this tough time, i had no idea whats involved or the steps in which to take. Jason again was very patient and helful in explaining things to me that i didnt understand and made me feel comfortable to be open and honest. I truly feel like he has my back and is genuinely looking out for my best interest. Thank you for all your help and support, anyone out there looking for debt relief Hoyes is the place to go.
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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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Nino G.
9/15/2020
Benny and his team did a Awesome work on my proposal I am Greatful for your support. And now I'm stress free I encourage anyone to seek help if you are financial trouble with your debt there's nothing to lose and remember there's always hope once again Thank you so much Hoyes Michalos & Associates Inc.
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Agnes
11/12/2019
OMG! I don’t know where to start! First of all thank you thank thank you to Benny and Janette and Hoyes Associates for all their help! I couldn’t sleep and also focus with my debt issues until someone referred them to me! They booked an appointment for me to come in right away and requested information. As soon as I provided the information I was called to come in and complete the paper works! To cut the story short I was approved for my proposal. Now I feel so much better. So thank you guys once again for al your help. I give them over 100% recommendation to anyone going through debt issues. So professional and super nice.
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Hamida T.
7/24/2021
I finally have been given a fresh start! Its rough few years financially but Jason made me comfortable and knowledgeable enough to take the next step to get back on track. I have been able to create a budget as well as learn saving and credit rebuild tips. Highly recommend
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Daniella B.
11/07/2022
I didn't anticipate finding myself in a position to request the service of Hoyes, Michalos & Associates. Initially I had difficulty finding a reputable agency who could assist me, not take advantage. I met with Brett who was of great help in navigating me through my options. I also met with Brennan who provided 2x clear, direct and short presentations to set me up with tools for success. I feel as though I'm in great hands.
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L H.
7/19/2022
They made an extremely difficult decision seamless...every single step of the way of this process I felt supported...and they provided sound nonjudgmental advice which made the whole experience so much easier. I highly recommend Hoyes, Michalos & Associates - Oshawa.
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George T.
5/25/2020
I was afraid to start my process. Once I called and had my meeting, Rebecca and staff made me feel very comfortable and welcome. They always answered any questions that I had. They were very informative and helpful in the entire process. Dealing with the Windsor staff was a great experience and made me feel great to have a fresh start. Thank you once again.
GT
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Johnnie K.
7/04/2022
Brian and all his associates helped us navigate our financial situation after we had to exit our business. His advise, knowledge and understanding of our situation on a personal and professional level was amazing. Always professional, approachable and worked in the interest of us. Highly recommend you talk to him and his team if you feel there is no hope!
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Cody P.
2/19/2021
It's been a great experience working with Hoyes. Very professional, there when you have questions and need them answered, learn alot through them aswell. 4 stars from me.
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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.