Debt Relief Experts
We Can Help You Get Out Of Debt
For over 25 years we’ve helped people like you find debt relief.
Licensed & Certified – Friendly & Professional – 99% Success Rate – Zero Upfront Fees
We can help:
- ✅ Eliminate your debt
- ✅ Stop collection calls
- ✅ Stop creditor actions
- ✅ Stop wage garnishments (even if they have already started)
We understand – talking about debt isn’t easy. Taking that first brave step to ask for help can feel tough, but we’re right here with you.
Give us 30 minutes, and we will give you a Plan to Be Debt Free.
Why Choose Hoyes Michalos?
Hoyes, Michalos & Associates has helped more than 200,000 residents of Ontario get out of debt since 1999.
Choosing a Licensed Insolvency Trustee is a very personal decision. You need a trustee you can work with before, during and after you sign up. Hoyes, Michalos is the trustee you can trust to deliver personalized, experienced, caring debt help.
Here is what we promise:
- You’ll meet with a licensed professional, never a salesperson.
- All consultations are free. You make no upfront payments.
- Our team is dedicated to helping you find the right debt solution.
- We will meet as often as you need and answer all your questions.
- We won’t force you to make a decision.
- Each of our offices is managed by a dedicated, local trustee.
- We are real people. When you call during normal business hours you talk to a live person, not voice mail.
- You always have easy access to your trustee.
- We offer a convenient, pre-authorized payment system and flexible payment dates.
- You benefit from our Fresh Start program with exclusive material to help you regain control of your finances.
What Our Clients Say
At Hoyes Michalos a significant percentage of our clients come to us referred from satisfied clients.
We are proud to:
- have an average 5-Star rating on Google
- have a Better Business Bureau A+ Rating
- be listed as one of the Three Best Rated licensed insolvency trustees in most of our locations
- be voted as Best Licensed Insolvency Trustee in the Readers’ Choice Awards several years running.
We Are Licensed Insolvency Trustees in Ontario
Licensed Insolvency Trustees are the only professionals who can reduce or eliminate debt and legally stop collection calls and other creditor action.
As Licensed Insolvency Trustees regulated by the Canadian Government, we offer safe reliable debt solutions such as a consumer proposal, a deal that can reduce your debt by up to 80%.
Unlike unregulated debt companies, we’re officially authorized to help you reduce or eliminate debt, with solutions tailored to your unique situation.
Accreditation and Associations:
- Licensed by the Office of the Superintendent of Bankruptcy Canada
- Canadian Association of Insolvency and Restructuring Professionals
- Insolvency and Credit Counselling Certification
We understand that financial challenges can happen to anyone. That’s why we focus on solutions, not judgment, working together to create a plan that puts you back in control of your finances. Whether you’re struggling with credit card debt, facing collection calls, or simply need expert guidance, we’re here to help you move forward.
Hoyes Michalos & Associates provides debt solution services in the following locations:
Other service areas
We offer the convenience of phone and video-conferencing services in the following additional locations:
Community Involvement
We meet with individuals from every walk of life with diverse cultural backgrounds including those with disabilities. Our policy is to treat people with respect and consideration and look for ways to provide our services in a safe, secure and professional manner.
We are committed to supporting our communities. In addition to local community involvement, Hoyes Michalos supports three charitable programs that help reduce the impact of financial struggles.
Living Wage Ontario
Hoyes Michalos is proud to be a Living Wage Employer.
The Food Bank of Waterloo Region
Carrying debt can mean choosing between paying bills or having food on the table. It’s something we see almost every day. That’s why we are proud to partner with The Food Bank of Waterloo Region in support of their Food & Fund Drive.
Project Recover
Human trafficking is a major problem around the world including in Canada. In addition to the human and emotional toll, victims can have their identity stolen and used to apply for credit in their name. As a partner in Project Recover, we sponsor the Hoyes Michalos House in Guelph and Burlington where victims can live while they attend school, work and get a fresh start.
