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

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!

My experience with Hoyes, Michalos has been nothing short of amazing. With specific thanks to Jason Quinney. Every step has been explained perfectly, leaving any questions I may have had answered before I asked. Everything has been straightforward and easy to understand. I highly recommend Hoyes, Michalos & Associates. Thank you so much.

Having dealt with Jamie the process has been great. Everything was handled and perfectly explained. Nothing unexpected. It is awesome to find someone who actually wants to help people. Great company with great staff

Can’t say enough good things about Meg and Ted and how they have helped me. Judgement free zone. Made me feel comfortable to ask any question, big or small. Gave great tips and advice that will help me in the future. Highly recommend. Very professional and friendly. Thank you for the fresh start, I truly appreciate all your help.

I have had the absolute pleasure dealing with Brett and Brennan from Hoyes. The entire process thus far has been smooth, comforting, reassuring and educational. The amount of stress they have relieved me of is beyond the point of thanks. I hope to anyone reading this, anyone who may be unsure of where to turn or who to turn to considers Hoyes.

If you’re struggling financially, going through large life changes, and you need to find people who care, please reach out to them. They have saved me my health, my money, and my future. Don’t wait or look any further, a new beginning is waiting for you!

I would like to keep my exact business with Hoyes as private as possible. However I would highly recommend this firm. Twice in the last year I had to phone for help and someone from their staff always gets back to me within a couple of hours tops ! They explained the legal matters to me so they made sense. Check them out.

I had the pleasure of working with Mark. I monopolized hours of his time asking questions and never felt rushed. I work in the law field and had a general understanding of the process but to say he was completely transparent is an understatement. I was very skeptical of dealing with a trustee as I have heard many horror stories. Mark made the process a complete breeze. I am so thankful for the fresh start . Thank you for everything.

Ted Michalos and associates helped me with my debt
In a way that was as quick and stress free as possible. Everyone was kind and understanding and took any anxiety out of the process. They gave me solutions I didn’t know I had. I wish I would have called them a lot sooner!!

Jamie was very professional, friendly and helpful. Willing to answer any questions we had and deal with creditors who continued to call and email us. We would definitely recommend them to anyone.

Mark is amazing I was so scared to enter a consumer proposal and I didn't know what to expect but mark made it so easy for me and I'm looking forward to being debt free, I would recommend hoyes, Michalos and associates to anyone they are amazing