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

I had the pleasure of Beau assisting me in my consumer proposal and he made me feel comfortable the whole way through. He provided excellent advice that will help shape my financial mindset for the rest of my life. I am truly grateful to have come across this company and the gentleman who assisted me. 10/10 recommend if you feel you're drowning financially.

Ian was incredibly knowledgeable and kind towards my situation. I was given plenty of options as to how to resolve my debts responsibly. I am now able to move forward on good terms with my creditors. Thank you Ian!

Kristen has helped me very much.
I have to thank her and Howard for all the work they have done for me.

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!

They really are amazing. The are fast when it comes to responding,they will guide you thru the process and make sure you understand. Amazing amazing amazing. Now l know better when it comes to spending and they also provide you with counseling to help you get back to doing good for yourself. I sleep better knowing l have alot l need to do but have the tools and skills to get there. So big thank you from me for the help they are providing for me. I recommend you give them a call there energy is very welcoming. Stay blessed.🙏

With creditors breathing down my neck, I put my pride aside and rushed to make an appointment at Hoyes, Michalos & Associates thinking bankruptcy was the only way. Benny and Janette were incredibly reassuring, knowledgeable and to the point about what my options were. They helped me negotiate with my creditors so I only had to pay a fraction of my debt, and they gave me the fresh start I needed to start rebuilding my credit. The last 2 years of my life have been incredibly stressful so I can’t thank them enough for lifting this burden off my shoulders!

Brian McIlmoyle at Hoyes has been tremendous in helping me navigate my way back through the credit red tape. He has been very attentive to my situation and guiding me through the whole process. Thanks to him and the service provided at hoyes, I am back on track and doing well.

Would definitely reccomend here if anyone has had a similar issue with creditors and debts.

Hoyes, Michalos & Associates and specially Maureen was kind, helpful and very knowledgeable. Maureen assisted me with my Consumer Proposal. My Consumer Proposal is now paid off and I am closer to getting financial security back. I would recommend Hoyes, Michalos & Associates to anyone.

Sandra was awesome!!!
It was a high stress situation for me and Sandra was kind, patient, helpful, and understanding. It was a great experience having someone who knew the options and was in your corner.

I have had a great experience throughout my Consumer Proposal process. My Trustee was supportive, encouraging, entirely positive and made what was a painful, scary prospect much easier to navigate.
I am very grateful to them and would not hesitate to recommend them.