GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE

Team was great, helped my senior uncle with all of his repetitive, and annoying questions, took time to ensure he understood things no matter how many times it took.
I would highly recommend this organization and Bret, and the team at the etobicoke office.
If they were this amazing with some one who tries my patience on a regular basis and helped him make the best choice for his situation I can only imagine how much better they would be with a regular person.
If you are in need or a desperate situation, call them, and they will treat you with the same compassion and professionalism we got! You wont regret it!
Neil

Never experiencing this before I’ve found the website of Hoyes, Michalos very educational and helpful. During the first interview at their North York office, the trustee took his time to explain the process and provided a written preliminary paper with various options.
Applying with Hoyes was a lot easier than I thought and a huge weight off my shoulders. The service has been very professional and friendly.

I highly recommend Hoyes & Michalos, no judgement, Kind courteous and professional , straight to the point in every way. I personally dealt with Brian and I'm truly indebted to his insight and no-nonsense approach , he turned a very stressful and what seemed a no-win-scenario into here's the plan and this is how we get you back on top. I am back on top and winning now, love these guys.

Jeff S....
1/30/23

We were drowning in debt, many sleepless nights and so much stress. From the first contact, Rebecca was incredibly professional, non judgmental and extremely kind. All the staff at HOYES are so pleasant and helpful. The process was so easy, all done online. Cannot express our gratitude enough to everyone there for making our lives so much easier. Highly recommend them to anyone having financial difficulties, they have solutions you probably didn’t even consider. Finally we feel like we can breathe again. Thank you so much

CRmart
2/20/2026

Professional and empathic, Hoyes Michalos helped me through a really challenging time in my life. They were respectful and helpful throughout the process. I am grateful to them for their help and guidance.

Howard was friendly,accommodating and knowledgeable throughout the process
He made a complicated process easy and informative
I would heartily recommend him to anyone going through this process 100 percent
Thanks Howard

Very helpful when I was stressed out about my debts. Helped me build a plan and further my dollar.

Very personable and go over everything in detail. Always available to answer questions and offer helpful advice

Scott has been a pleasure to work with, very knowledgeable.

Hoyes and Mark have been a great help to me since I started this process and helping get back on track to better my life.