Hoyes Michalos – Reviews and Testimonials

Are you drowning in debt and need a fresh start like me?

Then you NEED to book a call with Joel from Hoyes, Michalos & Associates to talk about a Consumer Proposal.

Joel and the team are friendly, great communicators and have removed YEARS of bad debt from my life.

After years of struggling to keep up, there is no better feeling than having a fresh start.

My only regret was that I didn't start the process earlier!

Due to unforseen circumstances, I found myself drowning in debt. Despite my best efforts to rectify my situation, it seemed to get worse and worse. For several weeks, I kept seeing advertisements on YouTube offering debt solutions but I ignored them. I went online and checked out several places but Hoyes,Michalos &Associates caught my attention. I reached out and was contacted fairly quickly and I was able to set up an in person interview with Jennifer. She reassured me that I was not the only person in my situation and that they could provide options that would set me upon the path to eventually become debt free. I followed the advice that I had been given and I began to see positive results and implemented good financial habits based on the principles that I was given. I have a long road ahead but I am no longer stressing about my finances and have been telling anyone who will listen and are in a similar situation. Reach out to Hoyes, Michalos and Associates and begin your own journey to freedom.

It's an amazing program to get back on track. They are professional and friendly. They were very informative. Thank you guys for everything.

This company is top-notch. If only there's an indefinite number of stars that I could rate them. Everybody has been amazing. If you are facing financial difficulties. Call them!!! - you won't regret it and if in doubt just try and find out for yourself. They are a very caring & helpful team. Most of all transparent in all transactions. Ianina & Sarah really know their stuff - I am forever grateful!!!

AMAZING AMAZING AMAZING so very happy with Hoyes, Michalos and our Mark our advisor! So professional and so very very helpful!! Thank you Mark for al of your help!

My husband and I really got ourselves into a mess while building our home. If it weren't for Jeff and his team, I'm not sure where we would be right now. So, thank you so much for helping us out and being so professional and courteous with us! Highly recommend.

Got an appointment to talk about my credit score right away. Diane C helped me get my credit report fixed of errors and she even found errors that I didn't notice. If it wasn't for her they would have continued to hurt my credit score. She did everything for me, explained what was being done, answered all my questions, gave me excellent advice on how to proceed in the future, and she was fun to talk to too! Thanks Diane!

Sandra at Hoyes Michalos is such an amazing trustee. I recently got my proposal accepted and she was incredible throughout the process. Extremely professional and very responsive to any questions or concerns I had. She guided me throughout the entire process and explained things extremely well. She would reply quickly and helped me feel at ease. I would recommend Sandra 10 times out of 10!

After years of feeling beaten down and taken advantage of I finally got a desperately needed break. Scott took so much weight off my shoulders I feel like I might actually have a shot at recovering my life now. He’s refreshingly honest and truly helpful. I couldn’t be more grateful and strongly recommend his services.

Today I received my Certificate of Discharge, I feel liberated. For years I had stressed and worried about the debt I was in from a business venture gone bad over 10 years ago, and I had no way out of. I knew my only option was bankruptcy but I kept putting it off because I was afraid of the process and I didn’t even have all of the information I needed because I didn’t have access to any of the paperwork from that business venture. I had such terrible opinions about bankruptcy. I struggled with the choice of bankruptcy. UNTIL a family member gave me the push I needed to just make a phone call and inquire about my situation. I called the most reputable company I could find in my area, I am so happy I did. Within 2 minutes of speaking with someone ALL my worries and doubts we’re gone. Within a week I was assigned a Trustee, and we started the bankruptcy process. He made it so easy, he was so informative and so supportive throughout the entire process, which to my surprise, was only 9 months!! I felt like more than just a client, he made me feel so comfortable and at ease. The ongoing support I received from Scott was amazing, and I just know even though my file is closed he will be there for me if I have any questions or need any advise in the future. I have and will continue to recommend Hoyes, Michalos & Associates to anyone searching for financial freedom. I want to very one to know that you do not have to live with guilt, stress, weight on your mind due to finances, give them a call and explain your situation, they will come up with the BEST solution for you and they will take care of everything.
Thank you Scott and Thank you Hoyes, Michalos & Associates for this new sense of Freedom I have.

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!

very kind and understanding

I went trough bankruptcy 2 years ago and thanks for the help of Hoyes lawyers today my financial security looks better. Thank you 🙏🏼

My experience with Nicholas service was exceptional. I am very happy and confident with all the decisions I’ve made for the past few moths despite of my complicated case. It gave me peace of mind and closure that I went to the right company like Hoyes, Michalos & Associates Inc who prioritized for what their client’s needs. They’ve given me the benefit to be financially back on track. Many thanks again for all the resources and guidance that you’ve provided to me.

Thank you Jason for your help and professionalism with my financial matter.

Do not hesitate to contact Hoyes, Michalos for advice and/or help with financial services. I now have a resolution and can breathe a little easier. I can't thank you enough for all the advice and assistance you gave me.

From my very first appointment I knew Hoyes was the Business that I wanted to assist me with my credit issues.
I called and got an appointment immediately. My Trustee never judged nor made me feel embarrassed. He treated me like he would have treated anyone else. He provided me with options and a follow up appointment a week later.
Everything was fine and addressed promptly with no issues. Since then I have had my two credit concilling appointments and that was very successful.
Hoyes went beyond their duties and I know if ever in need of advise I can contact them.

Thank you Hoyes Michalos!

My experience with Hoyes, Michalos & Associates has been exceptionally pleasant and educational! I felt no judgement from the first phone call right up t proposal drafting , to proposal acceptance and beyond! I’ve really enjoyed the Debt Free In 30 on YouTube as well. Really changing my relationship and way of thinking about money, finances and how I manage them! Very happy I took the first step and contacted the team!

I rarely submit reviews...unless the service or product that i receive is exceptional.... exceptionally great... or exceptionally poor.
From the beginning, the staff from Hoyes, Michalos & Assoc., have given me an experience that has been exceptionally great! Nicholas calmly guided me through a terrible dark time of my life to the other end where I could see light and possibilities. He was knowledgeable, concise, and personable -just the kind of confident person to help in times of financial stress.
As I approach the completion of this process of reestablishing my financial situation, i was guided by yet another outstanding member of the H,M,&A team. Meg Penstone was crucial in helping me complete the final steps of reaching a healthy credit state. i was a bit daunted by the process of correcting info with the credit rating bureaus. I thought I understood, but Meg very quiclky pointed out crucial vital points that would improve my credit standing significantly. She spent as much time as was necessary to fill out the forms accurately. Meg answered all my questions to the point where I felt very confident that all was going to be O.K.
My greatest thanks to all the H,M&A team members who guided my on this stressful journey especially Nicholas To and Meg Penstone.

After covid hit, we found ourselves struggling to stay afloat. While we managed to prioritize our bills and ensure we had a roof over our heads and food on the table for our family of 5, we were unable to keep up with the credit card bills that continued to pile up. After speaking with a dear friend who suggested a consumer proposal, I reached out to Hoyes Michalos and explained our situation. Their response was prompt, informative and professional. The stress that we had been feeling for the last year or so was lifted off our shoulders as we came up with a solid plan and put the consumer proposal into place. Words cannot express how thankful we are for the guidance that we received. Would highly recommend going through them if you find yourself swimming in debt with no relief in sight.

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