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

Great help and a good group of people to work with.

Maureen has been fabulous in helping us to complete our consumer proposal. She has a wealth of information and makes it very easy to understand

I found help on behalf of Hoyes, Michalos & Associates when it seemed that there was no way out... My story began with the fact that I realized that I can no longer cope with paying off my debts. I was so depressed and it seemed that life failed. After a thorough consultation with my friends and a search of information on the Internet, I decided to book my first consultation with this company. Since then, I haven’t had a second doubt in my decision! From the very beginning to the end I dealt with Scott Terrio. He helped me incredibly! At first, we filed for Consumer Proposal since Scott and I thought this was the best option. It worked great! However, due to certain changes in my life while being under Consumer Proposal we decided to change it to Bankruptcy instead. I just want to say to all the employees of Hoyes, Michalos & Associates, especially Scott Terrio for their understanding, sympathy and great help. I was pleased that they spoke with me primarily with a desire to help, to delve into my situation. At least, this is what I felt and it was important for me. I’m debt free, so... THANK YOU! :)

Sandra Sykora took complete care in my matter Thank you
Hoyes, Michalos & Associates took care of all the reference material.
Thank you. I finally got relief..

I was quite nervous at first to even call. I did not know very much about bankruptcy or consumer proposal, except that I had to do something.
I called these guys and they were so patient and kind explaining the difference in services, they put my mind at ease. I would recommend this firm to anyone!! I have now filed a consumer proposal and feel positive again about the future!!! I almost feel a little guilty because they did all the work for me!!! Thank you guys!!!

Fantastic service from Mark at Hoyes in Barrie. He made the process so easy to understand and made me feel comfortable and confident. He provided lots of education throughout the process and helped me feel in control of my finances. Highly recommend.

Welcoming, honest, trustworthy and over the top fast. Making you feel comfortable ajd talk you through everything there is to know

Amazing! They really helped with going through all the steps and what to expect. They really put my mind at ease. I'm now getting better sleep knowing my debts are being paid off and working towards being debt free. Thank you for all your help.

Met with Diane and Scott and both of them were able to help me understand how to use my money as well as how much I should be putting away so that I would have a safety net. They were able to answer all my questions and responded to emails promptly. Can't reccomend them enough!

I strongly recommend their services, based on my experience they are the best in their business.