Scott was patient, informative and very knowledgeable

Raymond and Ella A. (not their real names), married, both 77 years old, $62,000 in debts, Kitchener, Ontario

Our sincere thanks to Scott Schaefer - he was a tremendous help to us during a very difficult time.

He was patient, informative and very attentive to our needs and very knowledgeable.

We would not hesitate to recommend Hoyes & Michalos to anyone requiring help with their finances.

Our reception at the front desk to our meeting with Scott was very sincere and professional.

Many thanks for all your help.