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

Nicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He... read moreNicholas was/is amazing to work with. Very knowledgeable and always keeps you in the loop. He Responds back to emails quickly and isn’t hard to get in contact with. He helped me through the process and made sure I understood and always gave clarification when needed. Highly recommend using Hoyes! Thank you again, Nicholas! read less

Great and professional service. They explain everything very clear to make sure you understand every step of the process. Also very helpful when it comes to playing monthly and... read moreGreat and professional service. They explain everything very clear to make sure you understand every step of the process. Also very helpful when it comes to playing monthly and for the future. Thanks for awesome service read less

I am so grateful for the kindness and non-judgmental help I received from Jason. It took 5 yrs for me to use up my little savings and go into debt... read moreI am so grateful for the kindness and non-judgmental help I received from Jason. It took 5 yrs for me to use up my little savings and go into debt to help my children through a rough financial time. I was so stressed and overwhelmed when Jason very calmly led me through the process. I highly recommend this company to anyone including retirees like myself who emotionally and financially got swallowed up in this challenging economy. Thank you so much for helping me! read less

I am so happy I found Hoyes, Michalos & Associates! I only wish I would have came to them sooner. They have taken such a weight off my shoulders!

Bret Nicholson has worked wonders. He advised me of the paths I can take, from bankruptcy to consumer proposals with great detail. Instead of going the bankruptcy route, he took... read moreBret Nicholson has worked wonders. He advised me of the paths I can take, from bankruptcy to consumer proposals with great detail. Instead of going the bankruptcy route, he took me the other way which would benefit a young man like myself. He is very ethical and honest and I would highly recommend him and the firm to anyone in need of help with regards to debt or any financial questions. Thank you again Bret. read less

Hoyes,Michalos & Associates have been nothing but a lifeline for me in my financial mess. Each and every person I have met in their company has been upfront, ... read moreHoyes,Michalos & Associates have been nothing but a lifeline for me in my financial mess. Each and every person I have met in their company has been upfront, caring and responsible in providing what i needed to know before any decision was made to resolve my financial issues. They have taken a great weight off my shoulders. Would highly recommend them to anyone who is needing another option for their financial debt. read less

I dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

Unfortunately life events happen, which lead... read moreI dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

Unfortunately life events happen, which lead up to myself filing a consumer proposal. read less

They walked through the entire process and made everything go smooth. Such a relief and helped get back on the right track.

If you are having issues with finances go here! They are friendly and will find a way to help you! Don't be shy and don't wait you won't... read moreIf you are having issues with finances go here! They are friendly and will find a way to help you! Don't be shy and don't wait you won't regret going. read less

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