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
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.
Our Licensed Insolvency Trustees explain all your options — including debt consolidation, credit counselling and debt settlement — and help you avoid bankruptcy where possible.
Our licensed professionals will help you explore your debt relief options.
What our clients say
A G.
3/11/2020
Great business great staff if you need help these are the guys you want on your side
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Tecumseh M.
12/15/2021
If you have debt you can't handle, this is your answer.
I contacted Hoyes, Michalos & Associates and was promptly set up with Rebecca here in the Windsor office. Rebecca did everything she could to help me understand the process I was undertaking and what I could expect to come.
I would recommend anyone.
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mtroyk
2/23/2024
Absolutely amazing service! Going through the stressful process of considering a consumer proposal was made much easier with there kind, and thoughtful counselling. Once I came to the decision that it was the right move for me to make, licensed insolvency trustee Ian was there every step to ensure I understood every aspect of the process.
Once the proposal was complete, every question I had was promptly answered, and ongoing support was just an email away. Seeing how much time and care was put into my case was heartwarming to see. I could see that my future success was genuinely cared about by Ian throughout the entire process.
I encourage anyone facing a tough financial situation to consider using the services at Hoyes, Michalos & Associates.
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Jordan A.
7/28/2020
They have been so helpful! They make a super stressful situation so much earlier.
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Nancy B.
2/19/2021
Brian McIlmoyle is both professional & personable in his approach. I would not hesitate to recommend his services to anyone! You are in good & trusted hands.
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John R.
7/11/2019
I had researched about 8 different firms before choosing Hoyes-Michalos & Associates and found them to be among the most honest ... Their level of expertise, professionalism and guidance was , in my mind, of the highest standards of excellence. I hold them in the highest of regards and most worthy of my highest recommendations...
I went in with their recommendations to declare bankruptcy which was against my first choice of a consumer proposal... Everything has worked out unusually well for me. Today I am debt free and a far better and aware manager of my financial resources...and I have healed myself from the trauma of catastrophic losses on 911.
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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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Rob E.
4/15/2024
Mark is FANTASTIC! Took the time to explain the whole process AND answer all the questions I had. (There were a lot of them) The only regret I have is not going to see him sooner! If you are struggling financially… as many are these days… then stop procrastinating and do something about it! Give Mark at Hoyes a call!!!
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Tim H.
11/01/2021
It's an amazing program to get back on track. They are professional and friendly. They were very informative. Thank you guys for everything.
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Jess C.
3/13/2021
The whole process of a credit proposal was scary to me which is why I took such a long time to start it. However once I did I was amazed at how easy the process was and I felt so comfortable and appreciative of all the help from Hoyes, Michalos & Associates. Beau was wonderful to work with in completing my credit counselling sessions. Very easy to speak with, and just all around a genuine nice guy who is extremely knowledgeable! If your ever in need of their services, give them a call. You definitely won't regret it!
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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.
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.
