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

If you are thinking about dealing with your debt problems. I highly suggest going here. Jason in particular, he made it super easy and as stress free as possible. Everyone who works here is very nice and judgment free.

I would highly recommend Hoyes, Michalos and Associates to anyone who is struggling financially. They are very professional, respectful and non-judgemental. Right from the start, they explained everything in detail and answered all of my questions thoroughly. Don't hesitate to contact them. You'll be glad you did.

Nicholas is amazing; he is really knowledgeable and has helped me get through a difficult time.

It was a very easy process thanks to Jason and now i can start fresh and get my finances back on track. I recommend Hoyes, Michalos to anyone having financial difficulty and they will direct you to the best solution for your needs .

Hoyes, Michalos & Associates was able to help me get back on track. Answered all questions that I had and was able to take care of everything I needed along the way. 2 years has passed and now everything is completely paid off. 5 stars would recommend

They made an extremely difficult decision seamless...every single step of the way of this process I felt supported...and they provided sound nonjudgmental advice which made the whole experience so much easier. I highly recommend Hoyes, Michalos & Associates - Oshawa.

Brian was a wealth of information that was so useful. Very professional and attentive to my needs. Highly recommended.

This company is AMAZING.
I was drowning in debt, and I'm 26. This was from school loans, my car payments, insurance, groceries, credit cards, my cellphone and more. I wanted a fresh start, and as many people know - its not fun asking for help for your finances, especially when you're in the negative.

I contacted Hoyes for a consultation, by the way ITS FREE! And the initial call is what gave me the first good impression. The woman who I would speak with at reception was so pleasant and very patient. She set me up for a meeting with Scott later that week. Scott was fantastic, he listened to everything I was going through, didn't judge me for a second, was motivated to help me get a fresh start, and took the time to run through all of the options with me and was very patient about it.

I then was directed to Diane, who was the cherry on top of this experience. She is awesome, and very welcoming and friendly. She was the one to help me with the details of all of the debts I incurred. She immediately contacted the credit bureaus and the phone calls and pestering stopped. She dealt with all the stress and headaches of my debt. She checked in with me a few times to assist with credit counselling and budgeting. She's been a wonderful help to me and was able to get my 30k debt down to 6k. I've been fortunate this year with CERB/CRB to pay these debts off in full - however this decrease in my debt, no interest building on it during the 5 years, and my credit has increased HEAPS! She also told me that the credit counselling is fully included in their price (thats included in my 6k) and can be used whenever, even though I'm finished with my payments, I'm still going to reach out if I need help with finances or budgeting in the future.

Thank you so much Hoyes! Your entire team has shown incredible service quality and work ethic and I couldn't be happier with my outcome. Y'all rock!

The team at Hoyes, Michalos & Associates was amazing right from the start. They answered all of my questions and really wanted to help me make the best financial decision. They were very easy to talk to, and genuinely cared about helping.

I cannot say enough good things about my experience with everyone involved with Hoyes, Michalos and Associates. Pleasant and non stressful