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
oh n.
10/08/2020
They handled my situation promptly and with compassion. Thank you Billy for not judging me and helping me.
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Meighan W.
12/31/2023
I am so thankful to have found a solution to my debt problems. Jason has been amazing, was ready to help from the moment I called, he's great with communicating and always responsive when I have a question. Thank you for your help and I look forward to my debt free future!
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Shamar W.
5/14/2024
Scott provided assistance at every stage of the process, ensuring my consumer proposal was successfully approved. I highly recommend Scott to anyone seeking similar help; his expertise is truly exceptional.
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K F.
10/27/2022
Mark at Hoyes has been excellent at explaining everything to us, going over all the details. We feel so relieved to have the help to get us out of debt - we wish we had asked for help a long time ago! Thank you Hoyes :)
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James M.
11/13/2018
If you are having issues with finances go here! They are friendly and will find a way to help you! Don't be shy and don't wait you won't regret going.
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Jason
11/18/2022
I have been working with Hoyes, Michalos and Associates since this past summer and it has been a positive experience. The knowledge and expertise of Sandra Sykora and the rest of the team has been beneficial while navigating the reality of a bankruptcy situation.
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Anie
8/08/2023
Scott and his colleagues operate so smooth..they get it done and easy for me.. always available, very helpful and very patient. They do care for their clients and I’m so grateful that I found them..
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Steph H.
1/19/2022
Scott Terrio is amazing!! He is extremely friendly and professional! He has been beyond helpful since day one! I highly recommend him and everyone at the Hoyes Michalos team, they go above to make sure the client feels comfortable! They are non judgemental & explain everything to you in detail that actually makes sense! I can’t say enough great things about my experience!
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Crystal E.
10/14/2020
This company helped me with a consumer proposal and then I ran into financial issues and they helped amend my proposal and now I don’t have to make anymore payments. Thank you so much for your help.
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Harry C.
1/05/2022
Super friendly and helpful. Was definitely focused on helping me, giving me advice on many options, considering my needs and situation. Highly recommend.
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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.
