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

I found the firm of Hoyes, Michalos & Associates Inc. to be very easy to work with right from our first contact. Everyone who worked with me to resolve my situation was pleasant, responsive and patient (Brett, Peter and Billy). They took the time to answer my questions and make sure I understood the process. This was an especially positive experience in such difficult times. I appreciate their excellent customer service and professionalism and would recommend them to my family and friends.

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.

I'm an extremely skeptical person, and given the situation I was in, even more so towards any financial institution/business. I even checked out other LITs (and many, many options other than proposals) before settling with Hoyes Michalos; despite seeming a tad "info-mercially" online, they show that they truly care about their clients and do everything they can to help. They treated me with kindness, respect, empathy, and dignity right from the very first sobbing phone call (thank you to Maddy and Brett!) until my final counselling session, and I never felt pressured to take any particular course of action at any point. A very special thank you to Maureen, who administered my proposal; she was incredibly friendly, extremely knowledgeable, as are the rest of the staff. My proposal was accepted by my creditors at my desired rate, the counselling sessions went smoothly, and all the fear/stress I felt before I sought their help has since been completely lifted. Seriously, if you feel like there's no hope - it's well worth the call. Sorry for the somewhat delayed review, and thank you all again!

Billy made me feel very relaxed and comfortable during my proposal. He is very professional, compassionate, friendly and kind and answered any questions I had. The office staff is very friendly as well. Thankyou for making this experience easy and less stressful. Thankyou for all your help and for listening. I would recommend his office to anyone.
Judi

I like to say that hoyes is giving me a new fresh start and has helped me big time with giving me a plan to get out of debt.
Gene Carter

I am so grateful for the outstanding support and assistance during a very trying time in my life. HOWARD and the wonderful team at Hoyes, Michalos and Associates were there to answer my questions and have paved a new path going forward. They have an incredible website and tools that will help me succeed in starting over following my consumer proposal. Thank you!!! Denis

The entire process was extremely smooth and stress-free. Maureen clearly explained every step and handled all the documents and formalities herself, which gave me complete peace of mind.

She is not only an outstanding financial counsellor, but also an excellent career and psychological counsellor. Her guidance goes far beyond finances — she truly cares about her clients.

I would 100% recommend Maureen to anyone looking for honest, professional, and compassionate support.

Since day one they have been
very professional. In a short period of time, Jason Quinney, was able to help me with my financial difficulties. He spent time explaining all the options that were available to me. I never felt rushed. He took the time to counsel me, answer all my questions and set me at ease. I would highly recommend that if you need help with your finances that you would be well suited to make your first call to the people at Hoyes, Mihalos. You won't be disappointed.

Trying to manage mental health issues and the hardships it brings to your life is a constant struggle. A struggle you keep private and silent to the best of your ability.

After a while you can no longer remain silent as life starts to crash around you.

When my financial situation was no longer manageable my health and well being deteriorated fast. The stress of losing everything and not having a place to live weighed heavily. Not because I was worried about me but I was worried about my wife of 20 years and the ramifications it would cause her.

Every day was filled with shame and guilt and hopelessness.

When I found Hoyes to see how I could manage this financial storm I was met with care and compassion. The compassion I felt was as genuine as it gets.

The team at Hoyes treated me with respect and dignity and my hopelessness started to turn into a positive motivation to get my life back on track.

Hoyes counselled me and worked out an arrangement with my creditors. It was a manageable solution that took the weight of 100 cars off my shoulders. I could manage my debt monthly and work towards living debt free. This is very important for someone in their 50’s.

Hoyes saved my life and I will forever be grateful to them. Till this day I still am treated with the same respect and dignity by all members of their team. It amazes me that this company has found the team with the morals and values to help those in a difficult financial time and ensure them it will be ok.

If you need financial help I promise you contacting Hoyes to find a solution will make your life so much better. You will have the help and support needed to make things right and not be buried by debt.

Thank you Hoyes

Had 9 collectors with around 50k worth of debt my wife and I couldn’t afford. Got it down to 15k with this program. Shout out to Brett Nicholson and Brennan Thompson at Hoyes! You guys are great thanks for the help!