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

After i lost my job during covid, and i got overrun with debt trying to stay afloat, I really had no idea how to even begin to fix things. It all seemed insurmountable, but Hoyes, Michalos & Associates really helped make things easy. They really do make things much easier, and they understand how difficult it is to just step through the door. I couldn't recommend them enough for their expertise, compassion, and ability to help me get back on my feet. If you're unsure whether this is for you, seriously, just call. You won't regret it, I promise.

I got myself in major financial trouble due to an array of events that occurred in my life. I was lost and so confused about what to do. After dealing with a debt consolidation firm that completely ghosted me after initially signing me up, I went into default and my debt consolidation was canceled.

I started researching bankruptcy and came across Hoyes. I was connected with an amazing Bankruptcy and insolvency associate named Jamie, who Helped me understand where I stood financially and how I could fix the problems that had been created. When I first contacted Jamie, I really felt scared and clueless, even dumb because I thought I was bombarding her with questions and it was also overwhelming. However, Jamie went above and beyond, and answered every single Mine so gracefully without making me feel dumb or silly for asking so many questions. She reassured me that she would help me get through this, and she honestly has kept her. I think I must’ve emailed her questions and concerns at least 50 times over the course. But she’s never made me feel like I was bothering her that I shouldn’t message her.
Actually, everybody at Hoyes has been so helpful and accommodating whether it has to do with questions while Jamie was Or discussing payment issues.
I would highly recommend Hoyes To anybody who may be in financial trouble and needs guidance or a path to learn how to fix things. I am so grateful I came across Hoyes and was connected to Jamie. I e had my first counseling session to understand how to budget my finances and begin a new journey with my money once my bankruptcy has been discharged!

Bankruptcy is such a taboo subject and something I felt ashamed of. Thank you for your kindness and patience. Living without this stress will be life changing.

I do appreciate the warmth and compassionate way of dealing with clients through a very difficult period. Excellent job Maureen.

My wife and I have had the pleasure and privilege of using Hoyes services and are very grateful for all their assistance while dealing with difficult times.

Fast easy and mind easing. Is a weight off my shoulders to be able to repay a debt during a difficult time in my life. Better than filing bankruptcy, the staff are knowledgeable, friendly and accommodate to your needs. Yes I would 100% recommend Hoyes.

Mr. Scott T. is incredibly patient with me to the point of answering same questioned i had repeatedly . He explained every details to me made sure understood what needs to be done .
My consumer proposal has been approved sooner than I expected by his help. I'm genuinely happy of the result. I was skeptical at first but based on my experienced, I would definitely RECOMMEND HOYES MICHALOS, try getting their help yourself, they won't disappoint you.

Thank you! Amazing Team.

Arsenia 🙂😁😁

I can't say enough good about Diane. She is patient, caring, and extremely knowledgeable. These folks do not push any agenda on you. They sincerely care about getting you where you need to go. Highly recommended.

Diane was absolutely amazing to deal with. She was patient, understanding, helpful, and very knowledgeable on this subject. I was very satisfied with this service because she was encouraging and detailed with her recommendations. This is exactly the business you want to call if you need help with any type of debt solutions or credit counselling. I’m very greatful I found her, i actually discovered this service on Google, thanks again Diane!!

Very helpful when I was stressed out about my debts. Helped me build a plan and further my dollar.