Hoyes, Michalos & Associates Inc.
Licensed Insolvency Trustees for Consumer Proposal,
Personal Bankruptcy and Debt Relief in Ontario

Brett and Brennan have been extremely caring, compassionate and professional during the entire time. The knowledge I’ve gained will not be lost. Thank you

I honestly was so afraid to contact anyone in regards to my debts but I am so glad i contacted this company!..
Rebecca is so easy to talk to and she does not judge you at all..
So professional and kind..
Call them you will be able to sleep again!

I had a consultation with Brian. He was candid, understanding, and supportive. He helped make the situation a lot less daunting and stressful. Would definitely recommend him!

Going into this I was very apprehensive because there are so many questions and I had no idea where to start but Scott Terrio made this process easier, with less stress and most importantly very quick. In less than two weeks from my initial phone call I was on my way to a debt free future. He was available to answer any question I had almost immediately through email or phone. A consumer proposal was the right choice for me, I recommend Scott Terrio at Hoyes & Michalos, the entire team is super easy going and professional.

I cannot express deeply enough how much I appreciated the help of the Barrie office of Homes, Michelos & Associates during my difficult financial times.

They walked me through my options and helped me decide how to deal with my problems in a manageable way.

I am now proudly out of debt, staying current with all my bills and also putting a little bit away in savings regularly.

Thanks so much !!!!

They handled my situation promptly and with compassion. Thank you Billy for not judging me and helping me.

During this unprecedented time of Covid lockdown, restrictions, and closures, many people and businesses found themselves caught in disastrous financial situations. I was one of those people. Never in my life could I have predicted the situation I found myself in.The stresses that Covid created for all was compounded by financial stress. The stress was truly unbearable, untenable, and surreal.

Once I had decided a course of action, I quickly researched and interviewed a number of Licensed Insolvency Trustees.

Nicholas To, of Hoyes, Micholas & Associates, was one of three trustees to be interviewed. I felt he was very professional. His amicable demeanor put me immediately at ease and his immediate, knowledgeable responses to my endless questions further confirmed that I had chosen well!

Kudos also are being sent to Heather Cudmore who held my hands during our counselling sessions. Thank you for the helpful knowledge and information that you gave in a such a supportive non-judgemental way.

I can see a future now....and for the first time in a couple of years,....it looks bright!

This company is wonderful, the customer service is served with compassion. They have been nothing short of amazing. I would absolutely recommend Hoyes & Michalos with a five star guarentee. You will not be disappointed. They have helped me through the hardest time of my life. Much love for them.

Jason has been so great and made me feel very confident and comfortable in filing my consumer proposal. It’s such a relief to be on my way to being debt free. I highly recommend Hoyes & Michalos. & associates

Had some trouble these past year and accumulated a lot of debt. As i found myself having a hard time, i stumbled with Hoyes and Michalos. I talked to Joel and he was really responsive, helpful and was great to talk to. He explained pretty much the highs and low of what im applying for. Im really grateful for the help they offered and im glad i went for Hoyes and Michalos. Highly recommended👍👍👍.