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

I just want to say how happy I was to work with Angela, Rebecca and Tina at the Windsor branch. They not only were professional with every interaction I had... read moreI just want to say how happy I was to work with Angela, Rebecca and Tina at the Windsor branch. They not only were professional with every interaction I had with them, they treated me with dignity and respect right from the time I walked through the door. I went in feeling very over whelmed and left with hope my future would be way less stressful. Thanks girls for all the help you gave mentally and emotionally it was well worth the work. You will not be disappointed by choosing Hoyes, Michalos and Associates. read less

I am so thankful to Hoyes, Michalos & Associates Inc, for all their help in getting my finances back on track. Jason was great and he treated me with so... read moreI am so thankful to Hoyes, Michalos & Associates Inc, for all their help in getting my finances back on track. Jason was great and he treated me with so much respect. He never made me feel bad about my situation. I highly recommend contacting him for financial help. They helped me regain my life back and I am so happy to be debt free again. read less

I found help on behalf of Hoyes, Michalos & Associates when it seemed that there was no way out... My story began with the fact that I realized that I... read moreI found help on behalf of Hoyes, Michalos & Associates when it seemed that there was no way out... My story began with the fact that I realized that I can no longer cope with paying off my debts. I was so depressed and it seemed that life failed. After a thorough consultation with my friends and a search of information on the Internet, I decided to book my first consultation with this company. Since then, I haven’t had a second doubt in my decision! From the very beginning to the end I dealt with Scott Terrio. He helped me incredibly! At first, we filed for Consumer Proposal since Scott and I thought this was the best option. It worked great! However, due to certain changes in my life while being under Consumer Proposal we decided to change it to Bankruptcy instead. I just want to say to all the employees of Hoyes, Michalos & Associates, especially Scott Terrio for their understanding, sympathy and great help. I was pleased that they spoke with me primarily with a desire to help, to delve into my situation. At least, this is what I felt and it was important for me. I’m debt free, so... THANK YOU! :) read less

Very good service. Patty was amazing they help you understand fully the difference between a proposal and a bankruptcy. They are a legit company. Friendly staff and compassionate. Very experienced... read moreVery good service. Patty was amazing they help you understand fully the difference between a proposal and a bankruptcy. They are a legit company. Friendly staff and compassionate. Very experienced and will help you work through your budget to save money. read less

Have to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I... read moreHave to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I got called in to meet with patty. Man do I not regret going with this company. Patty was very welcoming and treated you like family, no judgment she was there to help not make you feel worse then you already feel. So thank you patty and the whole Hoyes for helping me get back on my feet. 100% would recommend this company..

Thank again! read less

They were so helpful to me in deciding on what to do with my debt and am so happy to have chosen this company am in a cp with them... read moreThey were so helpful to me in deciding on what to do with my debt and am so happy to have chosen this company am in a cp with them now and have no regrets. Would recommend them to anyone that may be in debt 5 stars for sure read less

They explore all your options no pressure and very friendly.

The last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could not have been in better hands, although I wish to... read moreThe last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could not have been in better hands, although I wish to never see them again LOL! Thank you to a great team. read less

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

2013 was a big yer for me, it was when I was 19, got approved for my first credit card, cell phone, and some loans. However at that age, the... read more2013 was a big yer for me, it was when I was 19, got approved for my first credit card, cell phone, and some loans. However at that age, the goal was to spend spend and spend. I soon learned after a few years,, that it became debt, and debt leads to stress of creditors harassing you.

I began my journey with Hoyes, Michalos & Associates in late 2018 to early 2019. it started with filling out a small questioner that popped up on my facebook at the time, regarding personal debt. after filling out the questioner, few days later had an appointment set, with Nicholas who was a trustee at Hoyes Michalos.

we sat down and discussed my debt, discussed my options based on my budget, and ultimately came up with some solutions. there friendly reminders of your appointment, to excellent help from there team. I can say now that I am debt free, and now can start moving forward in my life towards a better finial future.

I would like to say to anyone out there that is deep in debt, that there is always a better tomorrow, the sun will always rise. just reach out to Hoyes Michalos, and they will help you with all your needs.

I give them 5 star, for the work they have done for me. So join me and become debt free, give them a call, I know I did and look at me now debt free. read less