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

Very happy with the outcome , discussed all my options , and went with what works for me . Friendly and very positive place . I highly recommend Hoyes, Michalos... read moreVery happy with the outcome , discussed all my options , and went with what works for me . Friendly and very positive place . I highly recommend Hoyes, Michalos & Associate's. read less

Today I received my Certificate of Discharge, I feel liberated. For years I had stressed and worried about the debt I was in from a business venture gone bad over... read moreToday I received my Certificate of Discharge, I feel liberated. For years I had stressed and worried about the debt I was in from a business venture gone bad over 10 years ago, and I had no way out of. I knew my only option was bankruptcy but I kept putting it off because I was afraid of the process and I didn’t even have all of the information I needed because I didn’t have access to any of the paperwork from that business venture. I had such terrible opinions about bankruptcy. I struggled with the choice of bankruptcy. UNTIL a family member gave me the push I needed to just make a phone call and inquire about my situation. I called the most reputable company I could find in my area, I am so happy I did. Within 2 minutes of speaking with someone ALL my worries and doubts we’re gone. Within a week I was assigned a Trustee, and we started the bankruptcy process. He made it so easy, he was so informative and so supportive throughout the entire process, which to my surprise, was only 9 months!! I felt like more than just a client, he made me feel so comfortable and at ease. The ongoing support I received from Scott was amazing, and I just know even though my file is closed he will be there for me if I have any questions or need any advise in the future. I have and will continue to recommend Hoyes, Michalos & Associates to anyone searching for financial freedom. I want to very one to know that you do not have to live with guilt, stress, weight on your mind due to finances, give them a call and explain your situation, they will come up with the BEST solution for you and they will take care of everything.
Thank you Scott and Thank you Hoyes, Michalos & Associates for this new sense of Freedom I have. read less

Deciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett... read moreDeciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett Nicholson as my trustee. I recommend him 100% if you can get him as your trustee.

He is extremely knowledgable and professional. He responds to emails and phone calls in a timely manner and will put your best interest at heart.

Brett is also very caring and understanding. He takes the time when explaining things to me and ensures that all of my questions are answered. Having Brett as my trustee has reduced a lot of my stress as he always tries to help where and when possible. He really goes the extra mile to help me when I reach out to him.

I recommend Hoyes, Michalos & Associates Inc. to anyone who is in a sticky situation. I am sure that the other trustees are good but if you can work with Brett Nicholson, you are in really good hands. read less

Benny Mendlowitz is an excellent licensed insolvency trustee, he has a very calming, non judgemental presence and is incredibly knowledgeable in his field. I specifically sought out Benny because of... read moreBenny Mendlowitz is an excellent licensed insolvency trustee, he has a very calming, non judgemental presence and is incredibly knowledgeable in his field. I specifically sought out Benny because of the many great reviews on here and I am happy to say that they are all accurate. read less

Total pros. Friendly, fast and thorough. Scott knows what he's doing and is a trustworthy guy. Highly recommended!

Hoyes, Michalos & Associates are very professional and kind. They made this process easier than I expected. Thank you to everyone there who has helped me during this experience!

I am very thankful for the nonjudgmental atmosphere I was greeted with and that was continued through the process of setting up a Consumer Proposal.
From my first appointment to my... read moreI am very thankful for the nonjudgmental atmosphere I was greeted with and that was continued through the process of setting up a Consumer Proposal.
From my first appointment to my final credit counseling I was thankful for the professional courtesy and non judgmental aid provided me. I wish to thank the
Hoyes.Michalos Hamilton Group for helping me to have less stressful future. read less

If I could give zero stars I would. Worst experience ever. No integrity

Edit: Its now 2021 and still feeling the ripple effect from these wastemen, a bank account that was... read moreIf I could give zero stars I would. Worst experience ever. No integrity

Edit: Its now 2021 and still feeling the ripple effect from these wastemen, a bank account that was to be closed(which was a lie) is still active to this day. Which I incurred the penalties. Make sure your documents are correct and exactly what they tell you. They wont divulge crucial information that can have a serious negative impact read less

Would recommend to anyone dealing with stressful debt that doesn’t know where they are going with it and feels like they’re drowning in debt. They provided a light at the... read moreWould recommend to anyone dealing with stressful debt that doesn’t know where they are going with it and feels like they’re drowning in debt. They provided a light at the end of the tunnel and turned my debt situation around exponentially. I’m on track to have my debt paid off and the weight has been lifted off my shoulders. Thank you Hoyes, Michalos & Associates! read less

It was a very easy process thanks to Jason and now i can start fresh and get my finances back on track. I recommend Hoyes, Michalos to anyone having financial... read moreIt was a very easy process thanks to Jason and now i can start fresh and get my finances back on track. I recommend Hoyes, Michalos to anyone having financial difficulty and they will direct you to the best solution for your needs . read less