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

I cant thank Ted Michalos and his entire team enough!
After going through a horrible divorce and was left in a hard financial situation..

I originally had a meeting with another 'company' out of Kitchener. And after that initial meeting I left in tears.. I was more upset, confused and left feeling like I had no way out. Feeling like nothing could help my specific situation...

But then I heard a pod cast for Hoyes Michalos and Associates that night and decided to make the call to see what they would say.

I spoke to Ted directly over the phone who reassured me instantly, apologised for my experience and set up an appointment.
Not only were they able to help the guided me through the process they did it with care and consideration.

I cant thank Ted, Cyndi, Meg and the entire team enough!

I am in such a better financial place now with the help of Hoyes, Michalos and Associates

Hoyes, Michalos truly cares to help their clients!

Just make the call.. they will guide you help you!

I am very impressed with the work that you do. So friendly; easy to talk to. I recommend Hoyes Michalos and Associates

I have nothing but good things to say about this company. At a difficult time, they helped me through. Informing me of my options and clarifying any questions, concerns I had. They didn't judge me or my situation. They treated me with respect. Their front end staff is polite and helpful. If finding yourself in a position were you would need a company like this, I highly recommend them.

I called Hoyes, Michalos and Associates to help me with my debt. I spoke with Benny and he really helped keep me at ease. It was very stressful but he managed to be supportive and addressed all my concerns with patience. Very happy with the service provided!

Had a consultation with Ianina and she made me feel relaxed and at ease right away. This is a very stressful process and she was able to take the stress level down and make me feel better about myself and the whole process. Thank you. Amazing service! Could not be happier!

I was facing some pretty serious financial issues, and finally built up the courage to get some help. Thankfully I found Jason Quinney. He is a down to earth guy that's very easy to talk to. He walked me through and made me feel comfortable in all the steps I had to take. Thank you for helping me get my fresh start.

I am so Thankful for all of Mark and Michele’s guidance. I would highly recommend them. Thank you for everything.

I cannot thank this team enough for the help and guidance received. I was not sure what to do or where to do and who to trust! When I finally found this team and spoke with them, I knew I was dealing with professionals who cared about what they were doing and who they were doing it for. Thank you so much Scott and team for your help in my situation. I have knowledge and power to more forward. I am grateful for a company that cares. It's rare.

I reached out as soon as I lost my job during covid and they helped me choose my best option and got the ball rolling very quickly. Very professional and helpful.

Scott Terrio helped me with my consumer proposal after my business did not turn out the way I had wanted. Everything got approved by TD Bank exactly how he said it would. Doug Hoyes also met with us on one of the meetings and they were both professional for my situation.