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

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 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!

Brett at the Vaughan office is an absolute professional in his field. Friendly, extremely knowledgeable, and willing to go the distance to make the client feel confident and informed. He handles everything from beginning to end with ease and minimal hassle. After an extremely unpleasant experience with another company, I felt very uneasy and untrusting, and was preparing for another fight that I thought I would have to go through it again. From the first Zoom call with Brett, he listened to my past experience and concerns, and assured me right away that that was not going to happen with him and his firm. Not only did he deliver results that I did not believe were possible, but he did so with such ease to me that I barely spent any time worrying about the details involved. They care about their clients to provide advice and create solutions going forward even after their job is done. I have complete confidence in Brett and will not hesitate to recommend him and his team to anyone looking to work with a true professional.

Gosh, it felt like a great weight was lifted off my shoulders, the moment I decided to reach out to these people, for help. I've never been respopnded to so quickly, and in my case, it meant everything, because it felt like the walls were closing in. I called, and in that first 15 minute conversation, I was reassured that things were going to change, for me, quickly. I'm just glad I took that first step, and decided to call them.

Trying to manage mental health issues and the hardships it brings to your life is a constant struggle. A struggle you keep private and silent to the best of your ability.

After a while you can no longer remain silent as life starts to crash around you.

When my financial situation was no longer manageable my health and well being deteriorated fast. The stress of losing everything and not having a place to live weighed heavily. Not because I was worried about me but I was worried about my wife of 20 years and the ramifications it would cause her.

Every day was filled with shame and guilt and hopelessness.

When I found Hoyes to see how I could manage this financial storm I was met with care and compassion. The compassion I felt was as genuine as it gets.

The team at Hoyes treated me with respect and dignity and my hopelessness started to turn into a positive motivation to get my life back on track.

Hoyes counselled me and worked out an arrangement with my creditors. It was a manageable solution that took the weight of 100 cars off my shoulders. I could manage my debt monthly and work towards living debt free. This is very important for someone in their 50’s.

Hoyes saved my life and I will forever be grateful to them. Till this day I still am treated with the same respect and dignity by all members of their team. It amazes me that this company has found the team with the morals and values to help those in a difficult financial time and ensure them it will be ok.

If you need financial help I promise you contacting Hoyes to find a solution will make your life so much better. You will have the help and support needed to make things right and not be buried by debt.

Thank you Hoyes

Had serious issues. They helped me. Even though they were unable to discharge everything I'm still happy with reduction of my debt and stopped creditor calls. Most importantly the stress has stoppedwhich is only good for my mental health.

Understanding, personal and professional. They do their absolute best to provide the best service and get you debt free while rebuilding credit.

Brian has been very helpful and patient with his service. He took the time to answer all questions and concerns I had when making such a huge step to move forward financially, he gave reassurance when necessary. I recommend Brian for any financial troubles you may be having.

Just wanna say if you have debt you can't keep up or struggling to juggle threw debt! Hoyes is the best place to get help! They don't judge and they help you step by step! Glad to have been directed threw them! They have been amazing threw all the process to get my life back on track! If I can give them more stars I would!

They were so unbelievably helpful, they gave me such amazing advice and were so easy and friendly to deal with. Highly recommend!

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.