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

They were very understanding.They were their helping me all the way to a better future.Not owing money and being out of debt has alot of relief on me.I will never go back into debt.I would always reccomend this company.

Ashley here - through my trials and tribulations with the fall out of symptoms that come with living with C-PTSD, I found myself in financial troubles twice. Both times, Jason was super helpful, professional, made everything easy. High recommend!

Before I found Hoyes Michalos I was literally at rock bottom. I was unable to make minimum payments on my credit cards and it was boiling down to the decision between groceries or putting money into a credit card. I had seemed help from the bank and was basically met with “you have no options but to shuffle your existing debt around. There is no option for consolidation” and they told me a consumer proposal would be a terrible idea but could provide no other solution.
When I met with Jeff he didn’t make me feel like I was failing like the bank had previously and he didn’t make me feel like there was no way out. I was treated like a person every step of the way and shown the reality of doing the proposal. I still have a long way to go to repairing my personal situation, but the support and guidance from Jeff and Krista has been great and has helped me feel like I’m not down and out just yet.

Drowning in debt before your 30 and feeling like there is no way to dig your way out is literally suffocating. So having people in your corner, helping you find your way is really reassuring. I am very grateful to have found Hoyes Michalos.

Billy and Peter were both phenomenal. Both were extremely friendly, caring and helpful. I was a little nervous going in but both of these gentlemen made the process much easier and less stressful.

They made a tough situation so smooth and easy. They were beyond helpful and accommodating and I'd recommend them 100%

Maureen was extremely helpful when explaining my options and made the process easy for me. On track to fixing my finances and credit thanks to them!

It's been years that I was struggling to keep up my debt. Hoyes, Michalos & Associates has been a great help . Such a relief and so happy with the services I have received from my advisers . I was so anxious about the first meeting but they make it very easy for me and they were not judgmental with my situation. They offered advice and information that was very helpful to decide what is the best option you can choose.
Hoyes, Michalos & Associates are very helpful , kind and very professional.
Highly recommended for anyone who has the same situation as I am.
Thank you so much Brett and Brennan.

They really help me out definitely a five star place to deal with

From the very first time I spoke to Alison I knew I had made the right connection during a time that was extremely stressful and embarrassing for me. Alison gave me a detailed description of the options available to me and it was obvious that bankruptcy was the only option that made sense for my situation. My initial appointment was set up quickly and the rest is history as they say. The whole process was painless and I was put at ease immediately . The relief I felt was wonderful. Any time I had a question all I had to do was send an email and I quickly received a response/answer. Thank you Alison...and the Hoyes, Michalos team!

Very professional and courteous and responsive to the needs of their clients during a difficult period in their lives.