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

Benny was an awesome LIT. Made me feel comfortable and knowledgable. Walked me through all of my options. Proposal was officially accepted. Super happy with this process and would highly recommend Hoyes!

Hoyes and Michalos were very helpful to me .
They took a big load off my shoulders and
I thank them very much .
They were very helpful and never felt any pressure from them .
Thank you

I am very pleased with my experience working with this company. It took me 4 years to pay down 10000.00. They reduced it to 6000.00. As of today I am debt free. And boy does it feel good. I highly recommend them.

I received free advice from Hoyes, Michalos & Associates beginning a year and a half before I even filed for consumer proposal. They were so helpful and understanding all the way through. Every conversation I had with them made me feel better about my situation, and they gave me the best advice about what to do at each stage of my situation. I'm so happy I got in touch with them early and took their good advice. They are compassionate, understanding and smart!

Patrica was very professional and a great help when I didn’t know what to do with my financial problems. She was always very fast to answer when I had questions and made sure all the issues were taken care of right away. I would recommend this place over any other company that offers financial help they know what they are doing and how to treat there customers!

I had a wonderful and easy experience working with Jennifer and her team at Hoyes, Michael's & Associates. I highly recommend using them if you encounter any debt difficulties.

I was facing some pretty serious financial issues, and finally built up the courage to get some help. Thankfully I found Jason Quinney. He is a down to earth guy that's very easy to talk to. He walked me through and made me feel comfortable in all the steps I had to take. Thank you for helping me get my fresh start.

I got into a pickle and got in over my head in debt. I called Hoyes, Michalos and Associates. I talked to Rebecca and had a good conversation to get the ball rolling in getting my life back together. She was very helpful in going through the process in getting rid of my debt. If anyone needs help in this situation don't hesitate to call they are very nice and professional.
Dan Whitesell

My experience with Maureen has been nothing but positive! She calmed my nerves when I found myself needing her services and made the process easy and stress free. I can't thank her enough! I highly recommend!

Never in a million years did I ever thought or imagined that I would be in the kind of financial hardship that I have been. I did not even know anything about Consumer Proposal until my young adult son, saw how I was struggling and he googled about financial hardships and debts. After looking and reading many reviews, I called Hoyes. Machalos. From the first phone call to the whole process, they made it easy for me. They were empathetic, professional and yet friendly. Benny is knowledgeable and always communicated with me during the whole process to make sure that, I was informed of what was going on with my file. Today is a new day for me towards my financial freedom as I just finished my first counselling session with Benny who informed me that, my consumer proposal was accepted by all the creditors. Thank you Hoyes Machalos, very special thanks to Benny, Linda and all of the team from the person who answered my first phone call. If you are struggling with debts, please call Hoyes, Machalos, they will treat you with respect and dignity that you deserve and soon you will be able to start your life again without worrying about creditors calling you.