Hoyes Michalos – Reviews and Testimonials

Billy was just a huge help in my debt relief, extremely nice, and made a tough day lighter. Thanks

Love these guys , they made sure to explain everything in detail and go over anything I had questions about and continue to be super responsive if I have any questions regarding anything

I finally have been given a fresh start! Its rough few years financially but Jason made me comfortable and knowledgeable enough to take the next step to get back on track. I have been able to create a budget as well as learn saving and credit rebuild tips. Highly recommend

I have absolute gratitude for H, M&A. Jason Q at the Brampton is like an angel. This has been an exceptional experience. Professional, efficient, informative and sincere desire to help people that want to help themselves and need a chance like this to begin a meaningful fresh start and actually make progress. This is real and highly recommend. 10 stars. THANK YOU SO SO MUCH!!!!!!!

Cannot thank them enough for their excellent advice and courteous manner!!! Absolutely no judgement on their part. Wish I had contacted them sooner!!

With creditors breathing down my neck, I put my pride aside and rushed to make an appointment at Hoyes, Michalos & Associates thinking bankruptcy was the only way. Benny and Janette were incredibly reassuring, knowledgeable and to the point about what my options were. They helped me negotiate with my creditors so I only had to pay a fraction of my debt, and they gave me the fresh start I needed to start rebuilding my credit. The last 2 years of my life have been incredibly stressful so I can’t thank them enough for lifting this burden off my shoulders!

Hoyes.Michalos very professional and provide great service. They are very flexible, reliable and advance you can communicate by phone, email or social media. Maureen is very helpful and she knows what she is doing. She is very professional trustee (LIT), knowledgeable and you can ask her tons of questions regarding proposals she will provide you all the answer. Overall Hoyes teams is great and I give them 7 stars ⭐️⭐️⭐️⭐️⭐️⭐️⭐️

It was awesome they are great people and they no what they are doing they help me when I did not have any where else to go thank you so much

I would like to thank Hoyes, Michalos and Associates for helping me through a challenging financial problem. Scott Terrio worked with me and was professional and responsive and took care of everything. Not only does this company help you with your financial debt they do credit counselling afterwards and help you manage your credit and obtain good credit in the future. They also have an amazing podcast to help teach you about debt called Debt free in 30. I highly recommend it! They helped me through my financial situation without claiming bankrupsy and truly knew what they were doing.
If you need any financial help I would call them. I give Hoyes,Michalos and Associates a 10/10
Thank you again!!

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!

If you feel like you are drowning as I once did, do not hesitate to contact Hoyes. You have options and they will show you your way. I will use my favorite analogy: You do not have to drown, just make the call and you can learn to swim again and they will teach you how to use safer and stronger strokes. Thank you Hoyes! You saved me & I know of others who are grateful for your business.

After filing months ago, I still get demand letters and collections calls and collections legal demands. I have spoken with my trustee, yet months later still happens. The payments are less but the stress is not gone

Working with this firm was effortless - they handled everything that needed to be handled with very little work required on my part. The process was painless and every person I talked to with them was wonderful, knowledgeable and very willing to answer any questions about the process that I had.

Very nice company Joel was very helpful with my proposal and made easy and simple to understand everything. Recommend for anybody should use them

Scott Terrio was my (our) representative. He was friendly, outgoing, and very.. (did I say VERY) helpful in addressing (and answering) all my questions/concerns. As well, he was serious, and to the point, explaining all details of our situation(s), and the paths/choices of each. The "paperwork" (i.e. application) and associated process (done completely electronically) - this included the submission and signing of all documents. Our case was settled (i.e. filed/approved) within 60 days (I think). I (we) are extremely happy that Hoyes, Michalos, and Associates (H,M&A) were chosen for our financial needs. The STRESS is going, which brings a much healthier lifestyle to both my wife and I. To this, we have found links for betterment in the use of future credit, better budgeting, and overall financial planning. I (we) highly recommend H,M&A!

They make the process easy from start to finish. They’re friendly and knowledgeable and they don’t make you feel worse about an already difficult situation. There when you have issues or even just a question. Would highly recommend them and have to many people.

I will gladly give this place a 5 star rating. Scott S is an amazing person to deal with. Even after the proposal is filed and good. He is always available for any questions I have with a quick response. I am glad I chose this place for my proposal. I recommend all the people that ask about a proposal to reach out here. Thanks for being a great person and company.

Hoyes, Michalos & Associates helped me navigate my personal finances in a way the left me feeling in control and like I made the best decision for me. The process was quick and easy and they were always available for the many questions I had along the way.
A special thank you to Jason for making this process as uncomplicated as possible.

Mark was great to deal with. Helped me out with my situation and alleviated alot of stress for me.

We where in dire straits 2 years ago when we contacted Michelle and the team at Hoyes, Michalos & Associates. It has been a rough couple of years, but with the help, integrity and guidance from Michelle & Michael, we can not recommend this firm and their Team enough. Action conquers fear, please reach out to these people and start your journey.