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

Everyone at Hoyes was extremely helpful and professional. They made something as stressful as facing your debt and diving into your personal finances as comfortable as possible and helped me... read moreEveryone at Hoyes was extremely helpful and professional. They made something as stressful as facing your debt and diving into your personal finances as comfortable as possible and helped me get right back on track. read less

I came to Hoyes because I was far far behind in everything. They took the time to explain the process and found the right option for me. Howard and patty... read moreI came to Hoyes because I was far far behind in everything. They took the time to explain the process and found the right option for me. Howard and patty were great in making sure I was informed and had the right tools. They were all very kind and helpful. If you need help with your credit issues these are the one to go to. read less

Contacted Hoyes in March 2020.
Assigned to Jason Quinney.
Decided to continue with a consumer proposal, filed March 31.
All correspondence, viewing/signing documents etc was via online/phone which was great, as I reside... read moreContacted Hoyes in March 2020.
Assigned to Jason Quinney.
Decided to continue with a consumer proposal, filed March 31.
All correspondence, viewing/signing documents etc was via online/phone which was great, as I reside north of Brampton.
Very convenient.
The Brampton office called a creditor on my behalf when I was unable to provide the details needed to please the creditor at the time of their call.
A service I greatly appreciated.
I anticipated a longer time frame with the COVID 19 shut down, however I have completed my 1st debt counselling session with Jason.
He has provided me with beneficial strategies moving forward.
Most of which are common sense, budgeting etc, however I obviously required a reminder OR I wouldn't have had to call Hoyes in the first place.
I received correspondence today that my consumer proposal was accepted by my creditors. Woohoo!
A large weight has been lifted.
Especially at this unknown time.
Thank you Hoyes (and Jason), a job well done. 👍 read less

Extremely professional and knowledgeable team.
Sandra is incredibly experienced and the provided support is invaluable.

I will always refer anyone H.M.&A. My case was handled professionally and confidential. R.Martyn was my trustee and understood my situation better than i did and had me totally relieved... read moreI will always refer anyone H.M.&A. My case was handled professionally and confidential. R.Martyn was my trustee and understood my situation better than i did and had me totally relieved with my resolution. G.G. read less

Struggled with debt since forever. This was compounded over the years by 3 significant relationship endings. Past the age 50, had more than $35,00 in consumer debt and... read moreStruggled with debt since forever. This was compounded over the years by 3 significant relationship endings. Past the age 50, had more than $35,00 in consumer debt and was never going to get that paid off. Was giving creditors $1,100/mth in payments, then borrowed some of it back for living expenses. It took 6 mths to decide to make an appointment and then another 2 mths to decide to move forward with a consumer proposal. IT WAS THE BEST DECISION I COULD HAVE MADE. Brendan was very helpful and kind. Shannon was amazing and supportive. My last meeting (2nd credit counselling session) was with Maureen and she and I had great discussions as we covered many areas of areas of personal finance which left me with tons of optimism. Everything has changed for me, for the better. I should have done this years ago. read less

Right from the word go, I felt Hoyes was the right Trustee to help me. The representative I delt with was very knowledgable and prompt. I would entrust my financial... read moreRight from the word go, I felt Hoyes was the right Trustee to help me. The representative I delt with was very knowledgable and prompt. I would entrust my financial issues with Hoyes any day any time.
Thank you very much read less

Excellent service and results. I have recommended to others (Kitchener location).

I met with Courtney Pye one year ago in the Mississauga office, she was wonderful and made me feel very comfortable during the whole process.
She answered all my question which... read moreI met with Courtney Pye one year ago in the Mississauga office, she was wonderful and made me feel very comfortable during the whole process.
She answered all my question which made me feel at ease and not afraid or ashamed.
I thought about our conversation and wasn’t sure if I wanted to proceed with this, but in Jan 2020, I met with Brian McIlmoyle, we chatted about my debts and me moving residence.
He was able to guide me with options and waited for me to complete everything I needed to.
Courtney & Brian are very knowledgeable, great and compassionate, and I would highly recommend them and Hoyes as my Trustee.
I can now say that I am on the right track again. Thank you, Lisa M read less

Staff at hoyes go well out of their way to help you get through your debt needs. They’re friendly and flexible, always. I would highly recommend them if you’re looking... read moreStaff at hoyes go well out of their way to help you get through your debt needs. They’re friendly and flexible, always. I would highly recommend them if you’re looking for any advice with your debt. Their solutions are great :) and their service is fast and friendly and you can schedule with them whenever is best for you. read less