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

Life happens, and going through financial struggles can be nerveracking. Benny and Janette went above and beyond to provide me with all the information, understanding and support I needed in... read moreLife happens, and going through financial struggles can be nerveracking. Benny and Janette went above and beyond to provide me with all the information, understanding and support I needed in order to make the right decision for my situation.
They always answered promptly any questions I had, and guided me step by step through some uneasy choices.

I can now breathe easy thanks to their professionalism!
Highly recommend! read less

These ppl saved my life ,the best phone call ive ever made.very friendly , nonjudgemental,very helpfull,caring,understanding,& they know their stuff.i definitely give them not just 5 stars but a whole... read moreThese ppl saved my life ,the best phone call ive ever made.very friendly , nonjudgemental,very helpfull,caring,understanding,& they know their stuff.i definitely give them not just 5 stars but a whole universe full of stars read less

Hi everyone
I just wanted to say I was in debt up to my ears and was so distraught and couldn't sleep because of worrying about on how I'm going to... read moreHi everyone
I just wanted to say I was in debt up to my ears and was so distraught and couldn't sleep because of worrying about on how I'm going to pay We I went online from taking a friends advice and he told me what to do i came across this company online so i thought i would give them a try ,made an appt. Went to see them talk with the reception which set up to see the trusty I found myself relaxed and able to talk with them and had the ball rolling
They helped me a lot got a big weight of my shoulders and the amount to my creditors was reasonable and I was much happier.
I would recommend this company to anyone who needs help with their debt They got qhat I need and all the garnishment if my income was gone and I can keep my house a little longer
Thank you Hoyes Michaels and associates
Sincerely B Henry read less

Wow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue... read moreWow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue to undertake.
Really pleased that this option was made available to me...So relieved and at the same time flabbergasted at the results: being debt free and all the stress and pressure are now history for me.
Benny has so much experience, a true and genuine specialist in his field, demonstrating so much integrity, knowledge, and applying superior negotiating skills on behalf of his Clients.
For all this, I am very grateful, Thank you Benny. read less

Couldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I... read moreCouldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I must say I am feeling 100% then when I first came to their office. I will continue to use them and will refer any and all to them that need help in the fields that they professionally provide.
Cant say thanks enough! read less

Honestly the best decision I’ve made this year was to get help from Hoyes, Michalos & Associates. Their Vaughan office is conveniently located and Brett is a real pleasure to... read moreHonestly the best decision I’ve made this year was to get help from Hoyes, Michalos & Associates. Their Vaughan office is conveniently located and Brett is a real pleasure to work with. They really care about what they do and the people they do it for. I thought the whole process would be very impersonal, but it is not, which I think is important to be successful. My Consumer Proposal was accepted! They literally saved my life and afforded me the fresh start needed to go forward after many challenging years. Thank you to the Team! Anyone thinking of using their services, just do it, don’t wait as long as I did to finally ask for help. read less

Hello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They made us feel calm and took care of everything with... read moreHello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They made us feel calm and took care of everything with a professional approach. We both were very happy with their service to us. read less

Bret Nicholson has worked wonders. He advised me of the paths I can take, from bankruptcy to consumer proposals with great detail. Instead of going the bankruptcy route, he took... read moreBret Nicholson has worked wonders. He advised me of the paths I can take, from bankruptcy to consumer proposals with great detail. Instead of going the bankruptcy route, he took me the other way which would benefit a young man like myself. He is very ethical and honest and I would highly recommend him and the firm to anyone in need of help with regards to debt or any financial questions. Thank you again Bret. read less

Helped me Greatly! Thanks Guys.

Extremely helpful and easy to speak with. (As well, very easy to contact)
I sat down with them in 2015 and they went over plans and options step by step... read moreExtremely helpful and easy to speak with. (As well, very easy to contact)
I sat down with them in 2015 and they went over plans and options step by step on dealing with my debt situation, making everything clear and concise. In the end they helped work out a plan that worked for me in my situation, and I'm happy to say that I'm now debt free! Very happy I chose Hoyes, Michalos! read less