Hoyes Michalos – Reviews and Testimonials

Do your homework before going to places like this. When I spoke with them they talk about how the government sets prices. While that is true they do NOT have your best interests at heart... only their own. Hoyes is good to go to once you have exhausted all your options. I have seen people file when they had so many other options but the lawyer just wanted to get paid. Consumer proposals and bankruptcies stay on your credit report for 7 years. BE WARNED

I received professional, empathic, and friendly service from Billy Martell. He explained the entire process, and guided me all the way . I can recommend Hoyes-Michalos with no hesitation.

First of all I was having 30% garnished wages off of each pay cheque. I was losing money ! I decided after doing research to do a consumer proposal and it started June 2019 . I am glad to say I finished January 5, 2022. I paid it off in half the time . My credit took a huge hit . Once I was in my consumer proposal I paid $75 bi-weekly and it was so much more manageable . So thankful for this opportunity and I didn’t have to declare bankruptcy. I got approved for 2 credit cards , 2 loans while in a consumer proposal. You have 5 years to complete your consumer proposal. I suggest paying it off sooner. It stays on your credit report for 3 years . The key takeaways from my experience. Making your payments on time , don’t use more than 30% of your credit , if you don’t have the money don’t buy it , save your money . Thank you Hoyes for helping my financial future . If you’re hesitant I say go for it as it helped me and the payments are very low in comparison to consolidation and bankruptcy.

I went to Hoyes, Michalos & Associates Inc.in the Niagara Region because I had a lot of debt to deal with and Jeff was the one who helped me get out of the mess I was in. He is very professional and very educated on how he does his job and he does it well. He will give you many options to choose from. Because every ones financial situation is different, he will give you advice for which option would be your best choice. So if your in a mess with debt, your first choice should be to go to Hoyes, Michalos & Associates Inc. and see Jeff in the Niagara Region.

From the very first time I spoke to Alison I knew I had made the right connection during a time that was extremely stressful and embarrassing for me. Alison gave me a detailed description of the options available to me and it was obvious that bankruptcy was the only option that made sense for my situation. My initial appointment was set up quickly and the rest is history as they say. The whole process was painless and I was put at ease immediately . The relief I felt was wonderful. Any time I had a question all I had to do was send an email and I quickly received a response/answer. Thank you Alison...and the Hoyes, Michalos team!

I am SO glad that I made a good call when I reached out to Hoyes and Michalos Association. I am relieved that I got the best advice for my situation and I learned things that I didn’t know before during this 30 minutes meeting with Mr. Doug. I highly recommend this place to get the guidance and help you need.

I did a lot of research when looking into consumer proposals and bankruptcy. Hoyes, Michalos & Associates were by far the best. I sent an email with some questions on a Sunday and had a response from a human on the other end within 30 minutes. The staff are amazing. They care about their clients. They are with you every step of the way and work with you without feeling like your being judged. If your looking for a great team to guide you throughout your chapter of a consumer proposal or bankruptcy they have your best interests in mind. Thank you for all you have done for me to make this journey less painful.

I was struggling with debt issues and the pressure and stress of being unable to manage my finances. I contacted Hoyes, Michalos & Associates to assist me with this matter, and it was the best decision that I have ever made. Ian, is very knowledgeable, compassionate and understanding, with his expertise he guided me throughout the process with ease, he explained everything clearly and directed me to the right options that were best suited to my situation. I would highly recommend Hoyes, Michalos & Associates and especially Ian, for they are one of the top best companies out there. Thank you Ian for the tremendous support and superb service that you have provided to me and my family, we truly appreciate it.

I really want to encourage anyone who is thinking of reaching out, to take the leap and do so. This team is so warm and understanding, I am so grateful for them and am so glad I decided to make this call.

In my free consultation, Benny was so helpful and supportive. We talked about all my options. It was totally painless.

I went in overwhelmed and scared, but after talking to Benny and Janette, I left feeling so hopeful and confident. The biggest weight lifted.

You really have nothing to lose, I promise these guys are so understanding and approachable. Free consultation. Seriously just call them.

Good luck :)

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.

My Filing a Consumer Proposal was not as difficult as I had thought. (Billy) was very pleasant and explained everything to me. My first counselling session was great, and the questions were easy and straight forward. I would recommend this company . It's is surprising how less stressful you become once you know your are free of debt.

Hoyes did an excellent job. I highly recommend them to whoever is going through financial hardship. Benny, Janette and Cristina had excellent communication skills. They listened, understood and kind. Always on the ball. They go through everything with you. Didn’t miss a beat. Quick to respond to calls and emails. Great work you guys.
Keep it up. Definitely hard to find people like you all.
👍🏾👍🏾👍🏾

$2,340 vs $72,125 - What would you rather pay?!

My debt was $72,125.

After I declared bankrucpy, I had to pay $65 every week for nine months. After that, I was discharged and debt free!

$2,340 vs $72,125!

They not only saved me $70,000, they saved me from the stress, anxeity that came along with it.

And, I have just qualified for a new credit card!

FRESH START!

Thanks Rebecca, and the Windsor Branch!

Your services were more effective in curing my financial stress than a Clozapine, followed by a Joint, chased with a Beer ;)

Hoyes, Michalos & Associates are great. Jamie is FANTASTIC she helped me through the process of filing a consumer proposal and the process of starting to rebuild my credit during the proposal. She always answers any questions I have and is very effective at explaining everything.

Nerve-racking situation to go through in general but I feel at ease with the Hoyes team helping me handle it. Brennan and Maureen are awesome and got me started on bettering my financial future. I'm glad I have such competent and considerate people in my corner as I go through this process. Thank You Hoyes, Michalos & Associates!

I highly recommend Hoyes!
Mr. Benny and his team are incredibly professional and super helpful at what they do. Their friendliness and ease of service is above and beyond expectations!

The council I received from Maureen was very thorough and helpful. Her kindness and warmth shone through, I never felt judged. Working with Maureen gave me peace of mind and lifted a huge weight off my shoulders. Her counselling sessions were very informative and set me on a path to succeed in my financial goals by changing my budgeting strategy so I can succeed.

I would highly recommend Hoyes Michalas. They always responded to my inquiries in a timely manner, I never felt rushed and they went out of their way to explain all of my options. They provided me with excellent advice and an option which allowed me to get back on track financially and provide security for my family in the long term.

  Hello every one.I saw comments from people who already got their loans from pure heart loans and then I decided to apply under there recommendations and just few hours ago I confirmed in my own personal bank account a total amount of $40,000 which I requested for. this is real a great news i am advising every one who needs real loan to apply true their via mail (stevenloanfirm88@gmail. com) I am happy now that I have gotten the loan I requested for.

Doug was great a total professional who gave me great advice I highly recommend him and this company I tried others not as good as these guys trust me go with them you won’t regret it thanks again Doug you saved me