Hoyes, Michalos & Associates Inc.
Consumer Proposal &
Licensed Insolvency Trustee
Debt Relief Experts

Such a positive experience! Jeff and Allison have been so kind and helpful. Hoyes, Michalos & Associates really do care and will go above and beyond to help you in... read moreSuch a positive experience! Jeff and Allison have been so kind and helpful. Hoyes, Michalos & Associates really do care and will go above and beyond to help you in your situation. I highly recommend. read less

My counsellor has been extremely helpful after only 2 sessions ! The process was easy and has made me more confident with budgeting and planning for my future.

The team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst years of my life and thought I was never going... read moreThe team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst years of my life and thought I was never going to get out from under it. Howard & Patricia were compassionate and didn't judge me for being in the position I was in. They provided me with exceptional counsel and helped me to make the best choices for me going forward. For the first time in months I'm breathing easy and working towards building a better future for myself. If you need help, call them, this team will not only work with you to get you out from under your stress but will teach you how to avoid being in this scenario again. They're with you every step of the way. read less

I have been struggling for years now, not knowing what step to take due to many down falls in my life. Hoyes,Michalos & associates gave me my freedom back... read moreI have been struggling for years now, not knowing what step to take due to many down falls in my life. Hoyes,Michalos & associates gave me my freedom back to find where I belong and helped me continue to fix my mistakes and find my place where I belong. No more struggling, no more stress. read less

Services are clear, concise, to the point all without losing sight of the sensitivity of the topic at hand. Very happy with services

Scott and his team are fabulous and helped me a lot. Scott Schaefer is a great person to help people through a dilemma. Thanks for your support Scott!!!

All the individuals I’ve worked with have been extremely helpful and I’ve gone out of their way to make this process as painless as possible.

Shannon was great. She was always there to help me along the way to make sure I understood what the consumer proposal was and how it worked. My proposal... read moreShannon was great. She was always there to help me along the way to make sure I understood what the consumer proposal was and how it worked. My proposal was accepted and she did a wonderful job. I would recommend Shannon to everyone. Thank you Shannon for everything. read less

I had a very positive experience dealing with the London office from the first meeting to the last one. They made me feel comfortable and gave me options with detailed... read moreI had a very positive experience dealing with the London office from the first meeting to the last one. They made me feel comfortable and gave me options with detailed explanations. If I had a question, I had a response within one business day. Joel is extremely professional and thorough. Highly recommend them. read less

I dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

Unfortunately life events happen, which lead... read moreI dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

Unfortunately life events happen, which lead up to myself filing a consumer proposal. read less