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
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
read moreread less
S D.
6/03/2021
Hoyes, Michalos & Associates are very professional and kind. They made this process easier than I expected. Thank you to everyone there who has helped me during this experience!
read moreread less
Peter G.
8/06/2020
I just finished speaking with Alison from Hoyes, Michalos and Associates and she could not have been more kind, courteous and helpful to me. Those three descriptive words extend not just to Alison whom I have had several conversations with but to all others I have had contact with to help me with my situation. Their collective help and empathy have let me face and deal with my situation in a more positive mindset than I had previously. I am pleased to have chosen them to represent me and to look after every detail.
Jeff Magder
read moreread less
ROBIN G.
1/08/2026
My experience has been very positive Kristen was Very helpful and made the process a lot easier for me in a very difficult situation, I would definitely recommend To anybody That is ready to move forward and get on a better path for the future.
read moreread less
Rob H.
1/02/2025
Amazing people to work with. They provide clear instructions and explanations for everything you need and are happy to answer any questions along the way. Great experience!
read moreread less
Anne F.
11/24/2025
Hoyes-Michaelos was able to help when I needed it most post COVID financial stresses. It helped me get back on my feet and I was able to pay off my proposal early!! Thank you!!
read moreread less
Denis C.
11/10/2021
There the best to solve your financial problems... They are expert what they do!
read moreread less
Mubarakali B.
12/28/2022
I have never been more satisfied with a service. Thank you so much jenn you have taken away all my worries. I would 100% recommend anyone needing financial assistance to get help with the team at Hoyes Michalos.
read moreread less
Brad P.
1/22/2020
Brian gets 6/5 stars. Such an easy to speak to personality with great advice that will hopefully save me. He talked me into being able to do this myself without their help. You don't find honest advice in a lot of places so this was greatly appreciated. Thanks again Brian
read moreread less
Daniella C.
5/02/2020
Had a great experience. Everyone I spoke to was very helpful, and would answer any emails sent right away.
They Never made you feel bad or guilty for how you ended up seeking their help, and they make everything very simple and easy for you !! I would recommend them !
read moreread less
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.
