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.

Very professional and very efficient. The entire process was well explained and all questions were answered. If anyone I know ends up in the financial dilemma I found myself in, I know exactly where to direct them.

Jason is super patient and compassionate. He is never judgmental and has been nothing but understanding. He and all of the Hoyes staff are super knowledgeable and provide great financial resources that can help anyone get back on track with budgeting needs.

Hoyes, Michalos & Associates Inc. can help. Knowledgeable and friendly people who know the challenges that people face today. Strongly recommend that your reach out to them as they may be able to help you.

You can tell they care about their clients, and this makes the world of difference.

If you are struggling with debt like I was, do yourself a favor and reach out to them, it can change you life.

Absolutely amazing team of individuals. Everyone that I spoke to through the process was very clear and knowledgeable. They were exceptionally fast to respond every time I had a request or concern. Huge thank you goes out to everyone there for helping through this major hurdle in my life.

I was struggling with debt issues and the pressure and stress of being unable to manage my finances. I contacted Hoyes, Michalos & Associates to assist me with this matter, and it was the best decision that I have ever made. Ian, is very knowledgeable, compassionate and understanding, with his expertise he guided me throughout the process with ease, he explained everything clearly and directed me to the right options that were best suited to my situation. I would highly recommend Hoyes, Michalos & Associates and especially Ian, for they are one of the top best companies out there. Thank you Ian for the tremendous support and superb service that you have provided to me and my family, we truly appreciate it.

Dealing with the Hoyes staff was a better experience than I expected.
Professional. The make you feel at ease.
Billy and Beau my councilor are excellent at answering questions and providing advice..
I would definitely recommend them...

Never in a million years had I thought I would have to declare bankruptcy.
Well I did, I was forced to, my husband became ill he ended up in the hospital, the whole time I kept believing he was going to make a recovery and we would walk out of that place, well he didn't. He passed away and left me in a horrible financial position. Most of it was due to my own fault.
I had to make the decision on how to fix it the best way I could.
I talked to a lot of people and we all came up to the same conclusion, I had to declare bankruptcy.
There was no way I could pay for all the bills with one income, we barely made them with 2 incomes. I searched and searched and decided to contact Hoyes, Michalos & Associates.
That was the best phone call I could have made, the employees there are so compassionate, understanding and have a wealth of knowledge (Brian, Courtney).
Even after signing and making the declaration of proceeding to follow through with Bankruptcy I received threatening calls from creditors. I called Hoyes, Michalos & Associates, told them what was happening and they took care of it, the calls stopped, the harassment stopped.
Would I recommend these people, you better believe it.
From the first day I walked in until the day I received my discharge it was the best decision I could have made.
Everybody has there own set of circumstances as to why it becomes necessary to go down that lane but if you have to then I definitely recommend Hoyes, Michalos & Associates, they helped me and gave me the peace of mind I needed in a time when I was dealing with the loss of my husband and took the burden of bankruptcy off of my shoulders.

Hoyes and Michalos were very helpful to me .
They took a big load off my shoulders and
I thank them very much .
They were very helpful and never felt any pressure from them .
Thank you

Wonderful experience. More people would benefit knowing about this company and their very helpful stuff. My experience with them has been a breeze and a huge help in many ways. Turns out there are people out there who want to help you and are good at it!