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

Great help and a good group of people to work with.

This company is a excellent source to go to if you are in debt they are very friendly and helpful and willing to listen to your situation that u may... read moreThis company is a excellent source to go to if you are in debt they are very friendly and helpful and willing to listen to your situation that u may be having when it comes to your money .. a special thank you to Nicholas and the team in scarbro great people to go to . read less

I had a very positive experience dealing with the London office from the first meeting to the last one. They made me feel comfortable and gave me options with detailed... read moreI had a very positive experience dealing with the London office from the first meeting to the last one. They made me feel comfortable and gave me options with detailed explanations. If I had a question, I had a response within one business day. Joel is extremely professional and thorough. Highly recommend them. read less

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

Like many people before me and probably many more after me I had an insane debt I couldn't handle. Collectors calling my cell phone and even my work. It didn't... read moreLike many people before me and probably many more after me I had an insane debt I couldn't handle. Collectors calling my cell phone and even my work. It didn't matter what I told them, they just wanted me to pay what I could not afford. I was already living paycheck to paycheck and just trying to make payments into any of my debt made it hard. It made me fall into the endless cycle of payday loans. Trying to pay those off as well as other debts became impossible. I was under so much stress from not knowing what to do I was physically sick from it.

After doing some research and figuring out I had 2 options open to me, consumer proposal or bankruptcy. I did a web search after hearing all sorts of ads on the radio about Licensed Insolvency Trustees and what they can do. I ended up choosing Hoyes, Michalos & Associates Inc. for two reasons. First the reviews I read helped me decide. Second, they wanted to help me more than I wanted to help myself. Like many I was trapped. I waited until I was in way over my head before I did anything to fix my situation. I would definitely recommend them to anyone who has any sort of financial issues. Be smart about it, if you need help ask the right people before you get too far in over your head. read less

I am so satisfied with the service, Benny was amazing he help me and made everything so easy for me.

Hello every one.I saw comments from people who already got their loans from pure heart loans and then I decided to apply under there recommendations and just few hours ago... read moreHello every one.I saw comments from people who already got their loans from pure heart loans and then I decided to apply under there recommendations and just few hours ago I confirmed in my own personal bank account a total amount of $40,000 which I requested for. this is real a great news i am advising every one who needs real loan to apply true their via mail (stevenloanfirm88@gmail. com) I am happy now that I have gotten the loan I requested for. read less

Great service! Nicholas explained everything in detail and made the experience very easy. Thank you for the help! Highly recommend.

I was feeling trapped in my own dept, and looking for a solution. Hoyes, Michalos & Associates made the change from overwhelming to a breath of relief for me. I... read moreI was feeling trapped in my own dept, and looking for a solution. Hoyes, Michalos & Associates made the change from overwhelming to a breath of relief for me. I am very happy with the outcome of my proposal and would highly recommend them as your team to help you out of a situation similar.

Thanks for all your help in my matter.
Jon read less

Professional kind understanding and makes you feel important. They understand and do not judge. This firm explains the process so you understand what is to be expected. Your questions are... read moreProfessional kind understanding and makes you feel important. They understand and do not judge. This firm explains the process so you understand what is to be expected. Your questions are answered and there is always someone at the firm to provide guidance. I am most grateful for their service
and I know I have chosen the right people. Thank you Hoyes, Michalos & Associates. read less