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
M H.
3/13/2025
Rebecca was so wonderful and helpful! This company has helped me tremendously and has taken so much of my stress away and made life livable again. Thank you so very much Rebecca Martyn and company Hoyes • Michalos!!
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Tina S.
1/18/2021
I lost my job due to Covid and had to make the difficult decision to seek help. I was stressed because I thought they would judge me, but everyone I dealt with from day 1 was kind, helpful and understanding and never made me feel bad in the least. I was able to talk to someone who had been through it and that helped so much. They also had some great resources available to help with budgets and financial planning and avoiding pitfalls.
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Taylor W.
6/17/2021
I wish I went sooner! With being young and starting off I wanted to get rid of all the access debts into one payment and pay it off quickly. That’s exactly what happened, everything was so easy and done professionally! It makes for such a stress free environment in a stressful time. I’m half way through my program now, and will be done soon. If your waiting for the right time, it’s honestly now. Don’t let it get big! So happy I made this choice
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jeff c.
9/14/2022
Billy and Peter were both phenomenal. Both were extremely friendly, caring and helpful. I was a little nervous going in but both of these gentlemen made the process much easier and less stressful.
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Andy C.
6/25/2020
They are great first time and hopefully last time doing a proposal. They are fast and professional and put you at ease. Kirsten was amazing with the counselling sessions great advice and tools that will always use. Thank you again
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Nicole E.
11/04/2020
Everyone we spoke to was extremely nice and non judgmental. They listened to our circumstances and gave us all our options. Once we chose what we were going to do they helped every step of the way. Any questions or concerns I had asked through email were answered usually within the same day. Its only been a few months but the relief we've felt has been amazing. If you're not sure whether or not this is for you, I would say to call and talk to someone...theres no commitment in asking.
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Rocket R.
8/01/2023
Billy at the Burlington office is so comfortable to deal with very professional and very helpful. He made sure i was aware of the proposal process and made sure everything was submitted promptly and all proper documents were submitted to prevent any delays. I would highly recommend Billy at the Burlington office if you are looking to get rid of bad credit.
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Anna L.
7/21/2022
I just finished paying off my consumer proposal after 3 years. So happy and relieved and I couldn't do it without you guys taking the stress off me and starting a new life. Thank you for your help. Lots of lessons learned.
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First W.
10/14/2020
I came here because I needed financial advice. I decided to go ahead with bankruptcy and so far they have taken care of me very professionally. If you need this sort of help, I'd recommend them.
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Adventures o.
7/22/2022
Great place, kind staff, non judgmental. I would recommend for sure.
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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.
