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

Couldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I must say I am feeling 100% then when I first came to their office. I will continue to use them and will refer any and all to them that need help in the fields that they professionally provide.
Cant say thanks enough!

Very professional and very efficient. The entire process was well explained and all questions were answered. If anyone I know ends up in the financial dilemma I found myself in, I know exactly where to direct them.

I have nothing but good things to say about this company. At a difficult time, they helped me through. Informing me of my options and clarifying any questions, concerns I had. They didn't judge me or my situation. They treated me with respect. Their front end staff is polite and helpful. If finding yourself in a position were you would need a company like this, I highly recommend them.

I had been struggling with debt since 2017 when my Husband and I separated~ I was able to keep up until I retired and my income was substantially lower. I researched and read every article that I could find on what I could do~~ After all my research with the various companies offering to help with debt relief, I decided to speak with the people at Hoyes, Michalos in St Catharines, everything was explained to me in language that I could understand and the various options were presented at the first meeting. They are all wonderful and made me feel very comfortable instead of embarrassed. I decided to go with a Consumer Proposal and they did everything for me~~ I will be paying it for 5 years but it is only one third of what I owed, so at the end of it I will have paid my creditors something and I will then be debt free~~ I can never Thank them enough 😊

August 2024 reached out to Hoyes,Michalos and Associates for questions and possible file a consumer proposal. Jason Quinney was my representative, he was very professional, knowledgeable and helpful. With Jason's expertise I file my consumer proposal everything went smoothly and now I am on my way to be debt free. Thanks Jason and partners a very satisfied customer 😀 👍 Verna. D

Entire staff was professional and easy to work with. Scott was wonderful, caring and compassionate he patiently walked me through every step and answered every email with patience. I highly recommend them!!

I went from drowning in debt, to small monthly payments to just recieving an email that said my proposal has been paid off. Even the initial meeting with Sandra was a relief. She explained everything very well and was very polite. A friend recommended me and I tell anyone who will listen. I can't thank you awesome people enough.

Hoyes, Michalos & Associates are fantastic. They've given me great peace of mind in helping me deal with my finances. They are kind, compassionate and nonjudgemental. I highly recommend.

Works quick and efficiently..explains as much as possible and very helpful..once you make the decision are ready to get the process done to make less work for you to do

Joel has been an absolute pleasure to work with, gave me a ton of information in a way that made sense to me, and has helped me take the leap into finally dealing with my debt, once and for all. For the first time in my life, I have hope for my financial future.
Heather has also been great and given me valuable tips and insight into rebuilding after a consumer proposal, and managing my finances in a way that will keep me out of trouble in the future. Cannot say enough good about Hoyes, Michalos & Associates.