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
Julie N.
11/07/2021
Caring professional that brings positive results worry free. Thankyou for all your help.
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Carlie S.
12/10/2020
I was determined to resolve my debt issues on my own. I tried for months and actually got further behind and increasing my debt. I turned to Hoyes, Michalos & Associates for help. Meg was totally there for me, she understood and valued my reluctance to seek help. My debt consolidation has now been resolved and I only have 2 equal and manageable payments per month and the service does not stop there. I have follow up consultations, Zoom meetings and resources to further help me budget and rebuild my credit standing.
Thank-you Meg and Ted for helping me through a very stressful time.
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Jackie F.
10/25/2020
My experience with Hoyes, Michalos & Associates was very good. I find myself in a difficult spot with paying my Bill's and wasn't sure which route to go bankruptcy or consumer proposal. After speaking with Jason I got a better understanding of what would work for me. I also dealt with Jason's dad many years ago in the Vaughan office so when I needed help again I didn't give it a second thought.
Thank you Jason! Keep up the good work
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SexyAlly B.
5/26/2022
Best staff ever Peter and Brennan are the best people they understand your situation and put out their best to help u
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Luigi R.
8/13/2021
She is an amazing wonderful helpful woman I ever deal. She did help me and I said bye to my stress and finally I can sleep! Totally I will recommend her very sweet and professional you can see she have experience
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Cody P.
2/19/2021
It's been a great experience working with Hoyes. Very professional, there when you have questions and need them answered, learn alot through them aswell. 4 stars from me.
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Robyn P.
1/08/2021
Beau was so kind through this whole experience.
I actually enjoyed my debt counseling sessions and might book another in the future. He genuinely cares about his job and you can feel that.
Now, I’m continuing to pay down my student debt with a lightness in my heart - and planning for my future and building my credit. I’m so glad I made the call to Hoyes and took responsibility for my life.
Thanks!
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Emalene C.
9/10/2020
Amazing company, everybody I have talked to has been incredibly helpful.
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Micah W.
11/10/2021
I'm very glad that I came to Hoyes, Michalos & Associates for help with my debts! I had an easy time understanding how the process worked with Sandra, who took the time to explain every detail to me.
I would absolutely recommend this business to friends and family as they are excellent at what they do.
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Mannie A.
12/02/2020
Scott from Hoyes ,Michalos really helped me in the crisis situations where I was totally drowned in debt for last more than 15 years. It is like a new life and a burden of stress is gone. The process was really easy . Even after negotiation he is helping me in building my credit Step by Step and securing my future and making sure my credit is built back . I feel so greatful that I met him on Facebook and he helped me in resolving my life's one of the biggest problems. I wish them growth in their business. ,👍
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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.
