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

Scott Terrio is amazing!! He is extremely friendly and professional! He has been beyond helpful since day one! I highly recommend him and everyone at the Hoyes Michalos team, they go above to make sure the client feels comfortable! They are non judgemental & explain everything to you in detail that actually makes sense! I can’t say enough great things about my experience!

This company and certain individuals have done wonders for fighting for me to help me manage my debt. They have given me tons of information so I don't wind up in this spot again. Truly, a wonderful group of people, who hold your best interest as if it's their own. 100% recommend.

I had a great experience with Hoyes, Michalos & Associates for my consumer proposal. Brian McIlmoyle guided me perfectly through the entire process, and everything happened exactly as he explained. He is highly professional and made a stressful situation feel very manageable. I highly recommend their services to anyone looking for debt relief. Thank you, Brian, for all your help!"

They were a pleasure to work with, provided all the information whenever needed, and we're always happy to extend my payment date for a given month as long as I gave them sufficient notice. Would recommend this company to anybody.

Jason Quinney from (Hoyes, Michalos and Associates Inc) has helped me when i was in a very bad financial place in my life.

Him and his team have really great with me from the very first time i walked in there office they are very professional.

Jason have given me great advice and answer all of my question when i asked them. Which lead me to make a proper decision about my finances.

If you are in any financial problem please vist them, they will help you the same professional way they helped me.

Doug is beyond wonderful. The entire company is highly recommended during the stressful experience during someone’s life that can be a bankruptcy filing. They maintain contact promptly and guide you through the entire process. They are highly professional and knowledgeable and highly recommended.

Thank you so much Jennifer kwon. I was so fortunate to have chosen hoyes,michalos.
They are very professional. Jennifer always repilied back to me ASAP when I was anxious.
You helped me the best you could and opened the best way for me.
If there are still people who are still hesitating, I want to tell them to find Jennifer kwon.

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!

Mark was great to deal with. Helped me out with my situation and alleviated alot of stress for me.

Brett and Maryia were both very knowledgeable and very helpful in the Consumer Proposal process. I was very scared going into it expecting it to be difficult; they made me feel very at ease and made me feel like I was really making the best decision for my financial issues

Thank you!