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

Amazing...Diane went above and beyond...kept me updated every step of the way...Resolved issues that arose years after file was closed...Highly recommended 😁

A lot of people are into debts but only a few know about consumer proposals unless they’ve gone out and done their research. When I first contacted Hoyes, Michalos & Associates, I had no idea what the firm was all about. Customer Service was quick and efficient to answer my call. The rep explained very well how it works and I was then connected to a Licensed Trustee Manager Scott. He guided me through all the steps and what to expect of the consumer proposal program. I was mentally burned out. My back-to-back debts were taking a toll on me but Scott helped me understand. My debts were reduced to more than half of what I owe provided I make sure I put equal amount of work on my consumer proposal programs That means, making consumer proposal payments on time based on what is approved by the creditors, attending a credit counselling with the licensed trustee and successfully finishing the program. Scott is always there when you have questions, very knowledgeable and professional. A heavy burden lifted off my shoulders. Thank you🙏🏼 I highly recommend this firm and talk to someone today!

I was in a tough financial position, and found myself searching for relief, i came across Hoyes page a few times, the reviews were great but i didnt know what to expect. I decided to give it a shot, I spoke to Benny who dealt with my case through out. The experience was painless and it was a breath of fresh air. Benny provided detailed information and walked me through the whole procedure. about 6 months in now, and i have a huge, HUGE load lifted off my back and i can rebuild my iife again. Thank you for your assistance.

I highly recommend Hoyes,Michalos & Associates.They helped me figure out the best solution to dealing with my debt.I walked in there feeling ashamed that I let it get so bad, but I walked out feeling relieved.I was relieved knowing that Hoyes & Michalos was prepared to clean up my mess.They are fabulous people willing to help.You just have to take that first step and ask.My advice to you is Get over feeling ashamed.Don’t worry about what other people think of you going bankrupt.You’re doing this for you not them.I’m grateful to be debt free now and given a chance to make wiser choices.😊

We are incredibly grateful for the outstanding service we received throughout our consumer proposal process. From the first consultation, Brett Nicholson was professional, compassionate, and transparent. He took the time to understand our financial situation and worked with us to create a realistic repayment plan that suited our budget. He explained every step clearly, answered all our questions, and made a stressful situation feel manageable. Thanks to his support, we were able to regain control over our finances and start rebuilding our credit. I highly recommend their services to anyone facing financial hardship—they truly care and deliver results.

Billy and the rest of the team were so great at making me feel at ease. Not only was their customer service exceptional- but the results were completely favorable.

Going to Hoyes, Michalos & Associates Inc. is the best choice that I have ever made. They were very courteous and helpful to my situation. They answered and addressed all my questions and concerns I had about my situation. I was recommended to have Hoyes, Michalos & Associates Inc. help me out and I am really glad I made the choice.

This company realy want to help people!!!They are amazing ,trustworthy people!!Thank you Brian!!!!!

I received incredible support from the entire team at Hoyes, Michalos & Associates, and would highly recommend them. A special thank you to Jennifer and Charlie for their outstanding service and guidance.

Top notch service & professionalism by Benny Mendlowitz. Simply trust him and be confident that your case is handled properly and you will receive the best service and advise. I interviewed 25 firms and trustees. Benny Mendlowitz stands out . Highly recommended.