Hoyes Michalos – Reviews and Testimonials

I was looking for a place to do the proposal and you guys came up and you seemed to meet my needs. I spoke to Nicholas and he told me to come in and see him, he helped me out and it felt like I hit the nail in the head. Everything went well, there was no stumble in between. Very happy and pleased with the services provided by both Nicholas and Diana.

I was a tough decision for me to consider a consumer proposal but in my case it was the right one. Peter from Hoyes, Michalos and associates made it painless and now I'm not stressed out about how I'm going to keep up with my bills. Thanks so much!

Professional and empathic, Hoyes Michalos helped me through a really challenging time in my life. They were respectful and helpful throughout the process. I am grateful to them for their help and guidance.

After working with them I've gotten my life on track it really saved me.

Jason and the entire Hoyes team have been of tremendous help for rebuilding my credit. The process from the start was seamless and before I knew it I am nearing the end of my journey with them.
I’m incredibly grateful and forever are indebted to their professionalism and astute attention to any of my questions or concerns.

I highly recommend Hoyes if you want to rebuild your credit.

This is a really great place they are helping me get my life on track I would definitely recommend

Very good service, highly recommended!
How to avoid bankruptcy =
Save your money, don't lend money to your sister.

I worked with Brian McIlmoyle, LIT to get out from under debt. He was helpful, informative, and kind. There was no judgment or unpleasantness, and I learned a lot of helpful tips about staying out of debt and budgeting for personal wealth and success. Working with Brian and Hoyes, Michalos turned my life around as painlessly as I think is possible.

Hoyes, Michalos & Associates Inc. can help. Knowledgeable and friendly people who know the challenges that people face today. Strongly recommend that your reach out to them as they may be able to help you.

You can tell they care about their clients, and this makes the world of difference.

If you are struggling with debt like I was, do yourself a favor and reach out to them, it can change you life.

I was dealing with a very difficult-to-solve sponsorship debt situation. I phoned hoyes associates and spoke to Brian A. McIlmoyle. He explained everything in detail and helped me in dealing with my situation. even my case didn't qualify for a consumer proposal or bankruptcy but he still offered help, I emailed brian numerous times and asked him for guidance. He replied promptly and answered all my questions. I highly recommend his services. He is very knowledgeable, kind and gives very honest advice. I am very thankful for all the help and support he offered me. Thank you very much Brian A. McIlmoyle

Very supportive and personal. I was given many options and the guidance required to make the right choice for me.
It’s a very embarrassing situation to be in but Hoyes has taken a lot of pressure off me and has left me with a feeling of relief I haven’t felt in a long time.
If you’re having debt issues I recommend this firm and I also recommend you jump on it right away.

I’m so grateful to the professional team at Hoyes with their guidance and help they’ve provided me. I would definitely recommend their team to anyone looking for help and rest assured they would do their best in providing you the best support needed to address your concerns to get you back on track. Thank you again!

My Family and I are so impressed with the full experience we received and continue to receive from the staff at Hoyes, Michalos & Associates Inc.

We were lucky to have Mark Borysiak working with us. Mark had All the answers to every question and concern I threw at him. Not only was he knowledgeable, his personality makes you feel like you’ve known him for forever.
Mark and the entire Hoyes family is only looking to help the best way they can.

In times like these every piece of help is highly appreciated.

Thanks!!!!

Credit Card Debt Solutions

Licensed Insolvency Trustees at HOYES, MICHALOS & ASSOCIATES INC. can help you explore and understand fully well your available debt-relief options to become debt free.
Hoyes, Michalos and Associates Inc. provides a free, no-obligation assessment to answer all questions to put you in a position to decide what relief option is best for your situation.
With all options exhausted, filing for bankruptcy should be considered with the assistance of a bankruptcy trustee. Hoyes, Michalos and Associates Inc. has highly trained debt professionals who are licensed by the Government of Canada to administer bankruptcy.

My journey from the heavily stressful period of heavy indebtedness to the fresh start period, after automatic discharge from bankruptcy.
During the fall of 2018, I contacted and made an appointment with HOYES, MICHALOS & ASSOCIATES INC. to discuss my credit card concerns.

Mr. Benny Mendlowitz, CPA, CA, CIRP, LIT, licensed insolvency trustee, met with me, and who is to become my bankruptcy administrator.
At the outset, his deeds, actions, and decorum gave me the first impression that he carries the reputation for providing the best service and client experience in their communities.

After I provided all the facts and documentation, Mr. Mendlowitz helped me in every step of the way. He administered and directed my monthly reporting and compliance requirements.

My client service experience includes Mr. Mendlowitz demonstration of his patience, attentiveness, outstanding knowledge of insolvency and bankruptcy matters, and the effective communication of this expertise that is understandable in all levels.

HOYES, MICHALOS & ASSOCIATES INC.’s optimistic warmth approach to client servicing, demonstration of integrity and professional work ethics, (observable in all support staff – receptionist, statements group, tax and other technical assistants) made me confident that I have truly found the professionals who had guided me and helped me found my credit card solutions.

After 21 months, I received my Certificate of Discharge from bankruptcy. I am now debt-free and starting fresh.

I am very thankful for the nonjudgmental atmosphere I was greeted with and that was continued through the process of setting up a Consumer Proposal.
From my first appointment to my final credit counseling I was thankful for the professional courtesy and non judgmental aid provided me. I wish to thank the
Hoyes.Michalos Hamilton Group for helping me to have less stressful future.

Deciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett Nicholson as my trustee. I recommend him 100% if you can get him as your trustee.

He is extremely knowledgable and professional. He responds to emails and phone calls in a timely manner and will put your best interest at heart.

Brett is also very caring and understanding. He takes the time when explaining things to me and ensures that all of my questions are answered. Having Brett as my trustee has reduced a lot of my stress as he always tries to help where and when possible. He really goes the extra mile to help me when I reach out to him.

I recommend Hoyes, Michalos & Associates Inc. to anyone who is in a sticky situation. I am sure that the other trustees are good but if you can work with Brett Nicholson, you are in really good hands.

A big Thank You to Shannon Desaulniers, who met with me several times during the last few months. This lady really knows her stuff! She is fast and efficient with communication/emails, paperwork/documents, hardly any papers on her desk, as she scans all your important documents and gives them right back to you! I would say she's almost gone paperless, she is definitely saving some trees! Shannon knows all the laws/regulations surrounding insolvencies and so much more, as she is a professional experienced trustee. Don't hesitate to book a free consultation with her. She was caring and thoughtful, while taking into consideration my individual circumstances. Thank you for all your help Shannon! Much appreciated!

I worked with Sandra at Hoyes, Michalos & Associates, and had a wonderful experience. I had spent the previous 5 years starting a new business that required a great deal of start up cost, and professional development to get off the ground. My business was and is very successful, but the underlying costs were sitting on my credit card(s), accruing interest that eventually became untenable. I felt isolated, alone, and ashamed for having incurred this much debt on interest, and it took me a while to overcome that shame and take the step of seeking out assistance in paying it back.

Enter Sandra. We had a really open and friendly conversation, she was transparent with me and took me through all the steps and options, and made really considered recommendations. I am someone who can get overwhelmed when it comes to granular financial details, and Sandra took the time to explain things to me again, in different ways, whenever I got confused.

I am relieved that my debt is now reduced and I have a reasonable and spacious plan to pay back the remainder.

Hoyes, Michalos & Associates came recommended by a colleague, and I am happy to pay that forward. I feel I am in good hands, and look forward to completing the term of my debt repayment. If you're thinking of reaching out for assistance with your debt, just have the conversation. It's complimentary, and can help you gain a handle on something that can be overwhelming and scary.

I posted this message before but it conveniently got deleted. I lost my house and all of its contents to a natural event. The insurance company denied my claim and I was left homeless and eventually lost my job. I sought out Hoyes, Michalos for assistance. They offered assistance by way of a consumer proposal and I filed the necessary paperwork. When all was said and done, I paid more than all of my debts combined plus their fee. Theodore Michalos did not care that I had lost everything I own and was homeless...only wanted to know how and when I could pay his fee (another claim against my credit if unpaid). I see many negative reviews but find them quickly removed. Arrogance in the face of defeat.

Hoyes has the most professional team. They were always clear in their communication and ready to answer my questions. They did not push me to file for bankruptcy and allowed me to do so at my own time and pace. I would recommend Hoyes to anyone who wants to resolve their financial trouble in the least stressful way possible.