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
Rachelle w.
1/14/2024
Maureen Parent helped me to file a consumer proposal with approval. She was able to put me at ease is will the stress by walking me through step by step from start to finish. I am now on a path to becoming debt free. Thank you!
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Marlene W.
2/18/2020
From the very first time I spoke to Alison I knew I had made the right connection during a time that was extremely stressful and embarrassing for me. Alison gave me a detailed description of the options available to me and it was obvious that bankruptcy was the only option that made sense for my situation. My initial appointment was set up quickly and the rest is history as they say. The whole process was painless and I was put at ease immediately . The relief I felt was wonderful. Any time I had a question all I had to do was send an email and I quickly received a response/answer. Thank you Alison...and the Hoyes, Michalos team!
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Milli S.
4/29/2026
A friend recommended Hoyes, Michalos & Associates based on their experience in consolidating debt - this firm did not disappoint. Their team was patient with me as I took the time to prepare for consolidation. They diligently walked me through every aspect and were priced fairly in comparison to competitors. They were also available to answer my questions and provide solutions when I followed up, even after my full debt had been paid. Thank you to this team for the peace of mind.
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Deliska M.
7/22/2022
I was very hesitant to contact any company to see how they could help me out with my situation. Scott was very caring and understood the stress levels I had. So much stress in now reduced! If you are struggling in anyway financially, it's merely a phone call and discussion, no pressure. I highly recommend this company!
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Eric D.
1/21/2021
I’m so happy to have contacted hoyes. The stress reduction in my life has given me a positive financial outlook for my future. I wish I had started a consumer proposal earlier!! Everybody I’ve dealt with has been an amazing help.
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Leszek P.
6/30/2026
Best in the city. Joel and Team are a pleasure to work with. Their guidance, empathy, kindnesses and above all professionalism is what elevates them above others. They are considerate and will assist with your needs. Highly recommendend.
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Jenn P.
6/03/2021
I was so devastated, beyond scared and embarrassed to have to take this first step.
It took me months of avoiding calls from creditors, envelopes, emails etc... basically just "turtling" myself into a deeper hole.
From the moment they answered my call, I was met with kindness, understanding and professionalism. They didn't treat me as someone who had done something wrong or had some life circumstances create this mess. It was easy, the meetings were painless and informative and I can say that it truly did help me go in a better path.
One person in particular I want to point out, was Beau Humphreys. He was amazing!! He wasn't just a Hoyes employee. He treated me as a person. He was real, sincere, honest and an overall great person. The kind of guy I would want to go and have a few beers with if it was appropriate. I appreciated his time, help and support through the experience.
Thanks for everything,
Jenn P
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Ryan C.
6/09/2020
I was treated very well at the Brantford office and they responded to calls and emails promptly. I would easily recommend them.
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Krystyna G.
8/28/2018
I met with Allison. She was absolutely wonderful. She made me feel very comfortable during the whole process and not ashamed which I was afraid of. She answered every question I hade and made me feel at ease. I am not so stressed out when thinking of my debts, instead I am now assured that everything will be dealt with. I highly recommend using Allison Petrie!!
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Jennifer A.
2/29/2020
Always there when you need them with the answers you need. Patty and Howard have been a great help. Thank you both!!
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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.
