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
Lyn A.
12/14/2022
Since day one they have been
very professional. In a short period of time, Jason Quinney, was able to help me with my financial difficulties. He spent time explaining all the options that were available to me. I never felt rushed. He took the time to counsel me, answer all my questions and set me at ease. I would highly recommend that if you need help with your finances that you would be well suited to make your first call to the people at Hoyes, Mihalos. You won't be disappointed.
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Aaron T.
7/01/2020
The Windsor team is responsive and genuinely care about the process involved. Angela was very responsive helpful and friendly service through the entire process.
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Phylis R.
11/14/2023
I stumbled upon Hoyes , Michalos& associates just by luck on Facebook.
I was in a financial crisis and literally depressed .
Benny , Shelly and the team assisted me navigate through in the shortest period possible.
They will coherently explain details to you at your convenience and what drew me to them is the openness and determination they put out their to ensure you understand the process well.
They will assist you to put together your proposal paperwork each time explaining each step from start to finish .
It was a sigh of relief when the proposal was accepted I must say .
They also offer financial literacy materials to which comes in handy budgeting and management.
I sleep soundly knowing no creditor is blowing up my phone and I have peace that I pay an amount that I can afford compared to what I was to pay back.
I will definitely recommend them and kudos for you really really do a good job 👍
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Adrian H.
11/16/2024
I cannot adequately express how positive my experience has been, and continues to be, with Hoyes, Michalos and Associates. My representative, Mark, from the Barrie office has been so incredibly supportive. He answers all my questions and concerns and helps me with all the steps moving forward. I strongly suggest you use their services if you are in need of them.
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Denis M.
9/08/2020
I was so anxious about this whole procedure, but throughout the process Nicholas and Diana have been wonderful, informative, knowledgeable and understanding. Highly recommended. Thank you so much. Michele
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Albena L.
7/08/2020
Extremely professional and knowledgeable team.
Sandra is incredibly experienced and the provided support is invaluable.
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Dave E.
8/29/2023
They are awesome! Everyone was kind, helpful, and informative! Felt through out the entire process that they just wanted to help. Filed a Consumer Proposal through them, which drastically helped reduce my monthly credit payments! Recommended!
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One I.
8/17/2023
Top notch service & professionalism by Benny Mendlowitz. Simply trust him and be confident that your case is handled properly and you will receive the best service and advise. I interviewed 25 firms and trustees. Benny Mendlowitz stands out . Highly recommended.
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Chris J.
2/29/2020
$2,340 vs $72,125 - What would you rather pay?!
My debt was $72,125.
After I declared bankrucpy, I had to pay $65 every week for nine months. After that, I was discharged and debt free!
$2,340 vs $72,125!
They not only saved me $70,000, they saved me from the stress, anxeity that came along with it.
And, I have just qualified for a new credit card!
FRESH START!
Thanks Rebecca, and the Windsor Branch!
Your services were more effective in curing my financial stress than a Clozapine, followed by a Joint, chased with a Beer ;)
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dess B.
3/01/2025
10/10 would recommend. Benny and his team were very helpful and understanding! If you are struggling with any kind of financial difficulties that you’re drowning for, definitely give them a call, they will help you every step of the way and explain everything. Amazing job! Thank you so much!
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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.