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

With creditors breathing down my neck, I put my pride aside and rushed to make an appointment at Hoyes, Michalos & Associates thinking bankruptcy was the only way. Benny and Janette were incredibly reassuring, knowledgeable and to the point about what my options were. They helped me negotiate with my creditors so I only had to pay a fraction of my debt, and they gave me the fresh start I needed to start rebuilding my credit. The last 2 years of my life have been incredibly stressful so I can’t thank them enough for lifting this burden off my shoulders!

I started working with Maureen in March when I knew it was time to deal with the mess that were my finances. I had been the victim of economic abuse about ten years previous and was finally ready to resolve the issues that resulted from that.

Maureen made me feel safe, seen, and helped me understand that the situation was not as severe as I believed it to be. By the time I signed the paperwork for my insolvency, my anxiety over the situation was lessened and I could talk about my finances without debilitating anxiety.

Working with Maureen, I was given the tools and support I needed to feel empowered again. I am to participate in household budget planning without needing anxiety medication and faced an abusive creditor with confidence and facts.

This is a safe space. The shame and anxiety that comes with making a hard decision to work with an insolvency trustee is lessened. They don't judge you or berate you for this decision, instead they support you and work with your mental health so that you are safe and able to make informed decisions. Working with Maureen was the best decision I made this year and I don't regret it.

Maureen was awsome to work with!
Everything was clear and well explain to me. Now to reaching that goal! Thx a bunch hoyes and especially Maureen!

I didn't anticipate finding myself in a position to request the service of Hoyes, Michalos & Associates. Initially I had difficulty finding a reputable agency who could assist me, not take advantage. I met with Brett who was of great help in navigating me through my options. I also met with Brennan who provided 2x clear, direct and short presentations to set me up with tools for success. I feel as though I'm in great hands.

I give 100% recommendation to anybody going through issues with debt my trusty Benny Mendelowitz is amazing kudos

I want to thank Brett for making this process extremely easy. I’m very happy with the outcome

This whole process is very stressful but the 2 people I have dealt with were amazing. Professional, trustworthy, friendly and explained process in detail. I would not hesitate to recommend this company..

Thank you for your professionalism, knowledge and promptness Benny and the staff I had the pleasure of dealing with. It made the process a lot easier, while addressing any worries I had through it; making sure I understood why the option I settled for was best suited to my situation. I will definitely be recommending you!! 😊

I was in a devastating financial crisis I felt I was never going to get out of... I shopped around for other similar practices that offered consumer proposals, but then had a friend tip me off about Hoyes Michalos... not only did the save me more money than the other places-they delivered as promised and completely saved me! Thank you Scott, I am so grateful!!!! And yes- I’m a real person and I did 100% use this service- best decision ever!!!

Hoyes, Michalos & Associates are a first class organization to deal with if you are in a debt problem. Benny and Brennan have been most helpful, no time is wasted, they both get right to the heart of the matter and help you solve the problem and find a solution. I would highly recommend this organization to anyone looking for a way out of debt.