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
Carlene C.
3/23/2024
Hoyes, Michalos & Associates helped me immensely to get my life back on track, even through the pandemic. Professional, friendly and knowledgeable. Thank you for helping my family.
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Andre C.
8/17/2021
Reached out to Hoyes, Michalos and Associates when I was overwhelmed and in need of help. The staff were nothing short of friendly, informative and reliable. I had the pleasure of working with Doug in particular who was easy to open up to speak about sensitive financial matters.
They made the whole process easy to navigate and are super helpful if you have any questions.
Would highly recommend!
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Deborah A.
12/04/2024
Jennifer Kwon was excellent. She was very helpful and gave me all the information I needed, answered all my questions and made me feel okay with doing the proposal. I highly recommend Hoyes, Michalos!
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Alex M.
7/27/2020
I can tell you Benny and his team are fantastic, courteous and super patient to answer all your questions. Me personally felt no pressure when we met up first time, as I did not know what to expect, how to proceed. All I wanted is to put an end to all those calls, payment deadlines and garnishments.
Knowing what to expect meant everything as Benny helped me decide which steps to take and end the nightmare I was in. I can tell you for sure, if you have sleepless nights, just give Benny a call and be assured that he will find work hard to find the best solution to your problems.
Trust me when I say, if you want a quick turnaround to your debt problems, this is the place to go to. You won't regret it.
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gemma k.
1/30/2023
Thank you so much Jennifer kwon. I was so fortunate to have chosen hoyes,michalos.
They are very professional. Jennifer always repilied back to me ASAP when I was anxious.
You helped me the best you could and opened the best way for me.
If there are still people who are still hesitating, I want to tell them to find Jennifer kwon.
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Terri-Lynn P.
3/30/2024
I would highly recommend Hoyes Michalos and Associates. Jason and his team are amazing to deal with. He is very quick, understanding and explained everything in great detail. I feel so much better about my financial situation after speaking with him. I never once felt pressured or judged. If you are struggling give him a call, it was the best decision I could have ever made.
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Sandra L.
10/23/2024
Rebecca handled my bankruptcy very professionally and with compassion, a good heart and understanding of my situation. I would highly recommend to anyone who needs help or advice in this situation. Thanks for everything 💐
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Brian B.
7/20/2024
Huge thanks to Jason and the team at Hoyes Michalos. The process was very easy and they have supported me every step of the way. If ever any company deserved a 5 star review its these guys. Highly recommended.
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azadeh S.
11/11/2020
They’re very professional and helpful and informative I won’t hesitate to use their service again.
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Alexey D.
11/03/2019
Great service! Nicholas explained everything in detail and made the experience very easy. Thank you for the help! Highly recommend.
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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.