GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE

Great experience dealing with Shannon and Brennan right from the get go.
Both are extremely knowledgeable, and they take the time to explain everything in detail to you, and should you have any question during the process they will get back to you if you send an email or leave a vm.
They took a situation that would have normally stressed me out and they both were able to keep me calm through the whole thing.

Wonderful organization, with educated, supportive, non-judgmental people who truly want to help you.

I am very grateful for your help Joel, and ongoing support Heather & head office team!!!

From initial consultation on my personal situation where all my options for debt relief were clearly outlined through the actual documentation and filing process, H,M&A and specifically Sandra Sykora - Licensed Insolvency Trustee were extremely supportive and very professional. All discussions were documented clearly, and suggestions on personal steps that should be taken during process were provided. The end result was the best situation I could have expected. Their work on my behalf is very much appreciated, and I strongly recommend Hoyes, Michalos & Assoc. for anyone seeking a debt solution.

If you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain free. Thank you so much for all you have done for me.
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This place seriously gave me my life back. A massive weight has been lifted off of my shoulders since going through with my consumer proposal. Scott is really professional, helpful and easy to talk to!

Benny and his team are wonderful. I wasn't sure what to do with the financial situation I found myself in so I contacted Hoyes, Michalos & Associates - North York location. I choose his office specifically based on the reviews I had read and of course following my gut I know I made the right choice.
If you or anyone you know needs help and direction, know that Benny and his team can help you find a solution!
From the beginning to end I have received great service, reassurance and confidence. All my worries have been put to rest and the weight and stress have been lifted off my shoulders. Benny is kind, courteous, attentive and honest. Thank you Benny and team for your wonderful help!

An excellent group of down to earth professinals who provide superb advice and service.

Hoyes, Michalos & Associates is a wonderful company, it has been a great experience so far. They are compassionate and professional and thoroughly explain options that best suite your situation. I am so glad I took this step toward being debt free, thank you!

5 stars in every area, I highly recommend anybody with debt issues, to please visit them for help.

When I finally had enough and had tried everything, I finally made the call. I was terrified and had so many questions and was so overwhelmed, full of guilt and shame. And let me tell you it was the best choice I had made in a long time. I was helped right away by Scott Terrio and he was fantastic! Walked me through everything and answered all my questions. Within a couple of days we had the ball rolling.
It was really nice to have some in my corner.
Ashley