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

Sandra Sykora at Hoyes, Michalos made the process of deciding to file a Consumer Proposal less stressful. She is very knowledgeable and my mind was put at ease during the process. Calling Hoyes, Michalos was one of the best decisions I've made. I would highly recommend dealing with Sandra at their Bloor St location! Thank you, Sandra!

I was hesitant at first, unsure if this was something that would work or even be possible, as my debt was getting out of control. However, Hoyes, Michalos & Associates took the time to clearly explain my options and helped me understand what I could do to get back on track. They consistently went above and beyond whenever I had questions.

They provided me with a clear path to regain control of my debt, and now I’m on track to becoming debt-free. I highly recommend reaching out if you’re feeling overwhelmed, even starting with a conversation can make a huge difference. I feel significantly less stressed and am truly grateful that I took that first step.

They made a very anxious situation bearable ! Thank you so much for your kindness and understanding. Amazing advice and answered all of my ridiculous questions without hesitation or making me feel bad about my situation. Definitely recommend the team at Hoyes, Michalos for your proposals/bankruptcy/trustee needs !

Bret Nicholson has worked wonders. He advised me of the paths I can take, from bankruptcy to consumer proposals with great detail. Instead of going the bankruptcy route, he took me the other way which would benefit a young man like myself. He is very ethical and honest and I would highly recommend him and the firm to anyone in need of help with regards to debt or any financial questions. Thank you again Bret.

Truly a life changing decision for me . I wish i could have applied earlier. Been in in the toughest time of my life ,Ted is very helpful and making the applications a lot easier without any judgement.Meg is just amazing for counseling. Truly grateful for these team.

Brian McIlmoyle at Hoyes has been tremendous in helping me navigate my way back through the credit red tape. He has been very attentive to my situation and guiding me through the whole process. Thanks to him and the service provided at hoyes, I am back on track and doing well.

Would definitely reccomend here if anyone has had a similar issue with creditors and debts.

This was my first time claiming bankruptcy. I would like to personally thank Joel and Heather for helping me navigate through this diffucult situation. Both of you guys are understanding and true professionals. Thanks again guys.

I was really stressed about my debt. I was going to file for bankruptcy. But after talking with Benny, we decided that a consumer proposal would be best. After my meeting I felt relieved and happy. I would recommend them if you are looking to file for a consumer proposal or bankruptcy. 🙂🙂🙂

Hoyes, Michalos & Associates, were extremely helpful every step of the way when I filed my consumer proposal. They walked me through every step and were available by phone and email to answer any questions I had during the process. Benny, Janette, and the rest of the North York staff put me at ease and made this process very easy. I researched a lot of agencies and I am happy that I chose Hoyes, Michalos, & Associates.

I can't believe how easy a process this was and am so happy I approached Hoyes, Michalos to help me get back on track with my debt!
And they are so conveniently located right at King Station! Great people who treat you with respect and integrity!