2549 User Reviews

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 | Consumer Proposal & Licensed Insolvency Trustee | Debt Relief Experts

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.

Learn More

Personal Bankruptcy

A legal process to eliminate debts, stop collection calls and give you a fresh start.

Learn More

Debt Consolidation

Compare options to combine debts into a single, lower monthly payment.

Learn More

Credit Counselling

Professional advice on budgeting, debt management, and more—we're here to give you debt solutions.

Learn More

Our licensed professionals will help you explore your debt relief options.

What our clients say

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.