Hoyes Michalos – Reviews and Testimonials

Easy to work with. Everything is explained thoroughly. You can call or email and get answers to all your questions.

I was a client of Hoyes & Michalos about 5 years ago and I finished my consumer proposal about a year ago. It was the absolute best decision I have ever made. This program saved my life. it gave me back my marriage, my friendships and my relationships with my family also. I appreciate all that they did for me, they gave me a voice to explain to others that there is hope out there. They don't have to suffer alone with all their debt. I have an excellent credit rating now. I currently owe $350. on my credit card from Xmas that I will pay off in full this month. This program literally changed my life in every respect. I now live on my budget that came from Hoyes & Michalos. I will never go back into debt again. I can't thank this company enough for all they did and a special thank you to Joel Sandwith for all he did and the little hug he gave me afterwards sealed the deal. Many many thanks. Sincerely Shel :)

As life goes i made quite a few financial mistakes early on. I dug myself a hole that I wasn't able to get out of without some help. I went to Hoyes, Michalos & Associates off the recommendation of a family member. I was nervous, but they were amazing! Brian and Courtney truly understood my situation and helped me to understand many things about banking and the markets that I never knew. With their help and guidance I'm happy to say im debt free and the process was very easy. The customer service was fantastic and the payments were more than manageable. I cant thank them enough for helping me through this.

If you have any concerns or questions regarding your debt, I highly recommend this trustee!

Recently had some major issues with CRA that really impacted my ability to continue paying my bills. After months of trying to resolve them without any progress I decided to reach out to Hoyes, Michalos & Associates for some advice. Honestly, going through this is very stressful, but I was fortunate enough to meet Benny Mendlowitz at Hoyes who took me through my options and what Hoyes can do to help me to resolve my difficult financial circumstances. From the very beginning Benny made me feel comfortable and listened to my situation, provided me with options and solutions that where realistic to my situation and never judged my situation. I'm so relieved that the consumer proposal was filed and accepted and would recommend Benny & Hoyes to anyone who is in a tough financial situation. They are professional, experienced and look out for their clients which is really important.

Outstanding and Professional! Great staff and extremely helpful! Tier 1 operators of the highest order. I can't speak highly enough of everyone at Hoyes Michalos and Associates.

While it's difficult to admit you're having financial problems, facing them head on is the best way to move forward. Calling Hoyes, Michalos was the best way for me. Rebecca has been great!
Totally understanding of my situation and provided the best solution for me. Never once was I made to feel like the failure I believed I was. Highly recommend this firm!

They really are amazing. The are fast when it comes to responding,they will guide you thru the process and make sure you understand. Amazing amazing amazing. Now l know better when it comes to spending and they also provide you with counseling to help you get back to doing good for yourself. I sleep better knowing l have alot l need to do but have the tools and skills to get there. So big thank you from me for the help they are providing for me. I recommend you give them a call there energy is very welcoming. Stay blessed.🙏

This business has shown me how to restructure my personal lifestyle. I wish I had known about it a few years ago. I am enjoying the reading materials to help me.

Amazing people!!! Helped myself out tremendously.
I was really hesitant to open up about my debt problems, but the team at hoyes, was so understanding and kind all the way through the process

Now I have paid off my proposal and I couldn’t be happier.

I highly recommend to anyone that needing financial assistance.

Great team. best thing I ever did to restart my life.

I was drowning in debt, living paycheck to paycheck, sometimes barely scrounging to get by. A friend recommended Hoyes, Michalos & Associates. From the initial consultation with the wonderful Sandra Sykora, to the counseling session to the final result, I am very pleased with the result. She was very informative and broke things down very well so I understood my options. Everything we talked about was also sent through email. She was always there with answers to my many questions in a very timely manner. I would highly recommend Hoyes, Michalos and Associates to anyone who needs financial help. Thanks again.

Amazing...Diane went above and beyond...kept me updated every step of the way...Resolved issues that arose years after file was closed...Highly recommended 😁

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.

Life changing experience by using the services from Hoyes, Michalos and Associates. Their staff in all departments helped me along the way through my bankrupcy and becoming debt free. All of my questions, concerns and worries were addressed over the past year and I am very happy with the outcome and my new lease on life. A huge weight off my shoulders and I have been given a second change. Great staff and would recommend their services to anyone in need of help or guidance with dealing with personal or business debt.

I was in jeopardy of having my wages garnished and didn't know what to do. I was doing some research online and came across Hoyes Michalos. After reading all of the amazing reviews I decided to reached out to them. Rebecca was a amazing throughout this whole process. I feel relieved and no longer have to stress about my debt. I can finally start planning for the future!! Thanks Rebecca and Hoyes Michalos!!

very kind and understanding

Billy and the rest of the team were so great at making me feel at ease. Not only was their customer service exceptional- but the results were completely favorable.

Friendly, informative, more than helpful when trying to decide what to do.
I’m extremely pleased with the service and results. Truly grateful for them!!!

I highly recommend the services of Hoyes Michalos Associates. I went to their Guelph office and was given helpful, honest, and useful advice. They helped me solve a long running financial problem and gave me a new lease on life. Each step was explained fully and I was given choices I never knew I had.

A great experience from start to finish with Hoyes, Michalos and associates.

Whenever I had some questions or inquiries, I called and received a response within a reasonable time frame, if not immediately. I would highly suggest contacting the team at any of their locations if you are looking for expert advise on how to start the process of becoming debt free. We all have different financial situations, so give them a call to see how they could help you become debt free!