Hoyes, Michalos & Associates Inc.
Consumer Proposal &
Licensed Insolvency Trustee
Debt Relief Experts

Very happy with the support and assistance i received from Jason. Hoyes & Michalos are highly recommended for great service and friendly staff. I was made very comfortable during... read moreVery happy with the support and assistance i received from Jason. Hoyes & Michalos are highly recommended for great service and friendly staff. I was made very comfortable during the process and had all my questions answered. read less

Deciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett... read moreDeciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett Nicholson as my trustee. I recommend him 100% if you can get him as your trustee.

He is extremely knowledgable and professional. He responds to emails and phone calls in a timely manner and will put your best interest at heart.

Brett is also very caring and understanding. He takes the time when explaining things to me and ensures that all of my questions are answered. Having Brett as my trustee has reduced a lot of my stress as he always tries to help where and when possible. He really goes the extra mile to help me when I reach out to him.

I recommend Hoyes, Michalos & Associates Inc. to anyone who is in a sticky situation. I am sure that the other trustees are good but if you can work with Brett Nicholson, you are in really good hands. read less

I have nothing but good things to say about Hoyes, Michalos & Associates. From the first meeting with Billy, to choosing the plan that worked best for me, to having... read moreI have nothing but good things to say about Hoyes, Michalos & Associates. From the first meeting with Billy, to choosing the plan that worked best for me, to having my follow ups with Beau, everything was easy and well explained. I had constant support and the tools necessary to be successful. I highly recommend Hoyes, Michalos & Associates. read less

In September 2019 I found myself WAY in Over My Head in debt!! Living on a fixed income there was NO way to be able to continue making payments on... read moreIn September 2019 I found myself WAY in Over My Head in debt!! Living on a fixed income there was NO way to be able to continue making payments on what I owed :( I did some research and found Hoyes, Michalos & Associates :) I gave them a call, explained my situation...I booked an appointment and met with Patty :) We went through everything together and came up with a plan :) I also had the pleasure of meeting Doug as well :) I just had my last in person meeting with Patty. I'm WELL on My WAY to being Debt Free!!! It's a HUGE Relief to say the least :) It's very affordable!! Patty, Doug and All the Associates have your best interest in mind. I highly recommend Hoyes, Michalos & Associates if you find yourself in need of the services they provide :) read less

They really care about helping people, and have a great deal of experience.

I can’t say enough good things about them. They have helped me and taken all my stress away! Thanks guys and especially Benny!

Such a positive experience! Jeff and Allison have been so kind and helpful. Hoyes, Michalos & Associates really do care and will go above and beyond to help you in... read moreSuch a positive experience! Jeff and Allison have been so kind and helpful. Hoyes, Michalos & Associates really do care and will go above and beyond to help you in your situation. I highly recommend. read less

This has been far the best service!!! Dealing with ones dept is never an easy process; it’s scary, you can feel like you’re trapped BUT you’re not!! These... read moreThis has been far the best service!!! Dealing with ones dept is never an easy process; it’s scary, you can feel like you’re trapped BUT you’re not!! These folks are here to help! Please reach out!! Their compassion and empathy is top notch...not once did I ever feel that I was less of a person. My only mistake...not seeking help sooner. I promise you folks: be honest and open...THESE FOLKS WILL HELP YOU! Thank you Howard and your team! Great job!! read less

I can't tell you how much of a relief I have experienced the last two yrs since doing my consumer proposal. I had heard so many stories of why not... read moreI can't tell you how much of a relief I have experienced the last two yrs since doing my consumer proposal. I had heard so many stories of why not to file a consumer proposal so I was scared when I first approached them with my situation, but I must say that my experience with Hoyes and their team has been very good. Benny has been great he has guided me through the whole process. I was in a position where debt was taking a toll, living pay cheque to pay cheque and feeling exhausted from not getting ahead working working but not seeing results because all my income was going to debt. I'm half way done into my proposal and I have been able to learn about budgeting, their counseling sessions were great, judgement free, most importantly they were there to answer any questions or concerns I had. I highly recommend Hoyes. I have been able to save and my credit score has improved significantly. Highly recommended. read less

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