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

Working with Hoyes was straightforward, easy and very informative. I felt respected, and truly cared for. They are kind, honest, professional and accommodating. Thank you Hoyes

I am very thankful for the way I was treated, for the understanding attitude and the prompt result. Thank you very much. I truly recommend this firm!

My experience with Hoyes, Michalos has been nothing short of amazing. With specific thanks to Jason Quinney. Every step has been explained perfectly, leaving any questions I may have had answered before I asked. Everything has been straightforward and easy to understand. I highly recommend Hoyes, Michalos & Associates. Thank you so much.

I am very pleased with my experience working with this company. It took me 4 years to pay down 10000.00. They reduced it to 6000.00. As of today I am debt free. And boy does it feel good. I highly recommend them.

Services are clear, concise, to the point all without losing sight of the sensitivity of the topic at hand. Very happy with services

I came into a hard time in my life. I was looking for help and this office appealed to me. When I booked my first appointment I was so scared. The first person I got to meet with was Patty. She was so nice and made me feel at ease. She was very understanding of my situation, gave me great advice, and even made me laugh a few times. Knowing that my future appointments will be with her is great. It will make everything so much easier and stress free. I know for sure if anyone I know needs advice, I will definitely recommend this office. Thank you so much Patty and everyone from Hoyes,Michalos & Associates :)

This past year has been so incredibly stressful with covid, add to that the stress of not being able to pay my bills. Bankruptcy was the only option for me. I called Hoyes, michalos & associates. I spoke to Brett Nicholson and I am so grateful to him for his professional and calming nature. I then spoke with maryia bratkouskaya who helped me with credit counseling and making sure that all the paperwork was in order. Both Brett and Maryia are so compassionate and helpful they truly cared about me and my situation. I have already implemented some of the ideas that Maryia has suggested to me on my spending habits and how I can better budget for the future. Thank you Brett, Maryia and the whole team at Hoyes, Michalos for helping me through this very difficult and stressful situation.

Having financial struggles can make you feel like you're trapped in quicksand and can be emotional draining. The entire team at Hoyes, Michalos & Associates helped me figure out all my options and what my next step could look like. They didn't judge me, they were only interested in getting me to a good place. They were amazing and they truly cared about my well being! It all starts with a call or an email...

At such a difficult life transition, Hoyes Michalos and Associates helped to give me a fresh start. The level of stress I was dealing with has been alleviated tremendously and one year in to the proposal I can see the benefits of the program and am so happy for their guidance.

I was in difficult financial situation due to divorce expenses and the friend of mine told me about Consumer Proposal. I have found this company through Google,I liked their reviews and contacted them. Now I am writing my own))).
I have very positive experience with Brett N. And Maria B.(she even speaks Russian) in Etobicoke location. Brett had helped me by explaining how everything works, I had provided my info,docs. They worked quickly and efficiently. Maria provided 2 zoom meetings after my debt was "helped", gave me some tips (believe me the good ones, just listen to her).
I really appreciate help,time and professionalism I had met there.
Very warm regards to all from this firm.
And sincerely thank for help I got through your service and to Canada. No one wants to be in our place by purpose. I was in a difficult situation with small child on hands and got help. A huge thank to all, who made this possible. And encourage everyone who need help - at least call and ask.