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

A very relaxed, non judgmental initial interview laying out the appropriate action for my circumstance. Follow-up visits reinforced the feeling of being respected and being able to discuss... read moreA very relaxed, non judgmental initial interview laying out the appropriate action for my circumstance. Follow-up visits reinforced the feeling of being respected and being able to discuss the process and report filings in a very cordial, informative environment. Definitely, it has been a very pleasurable experience so far, as I continue to deal with the reality of having to file for bankruptcy. read less

I cant thank Ted Michalos and his entire team enough!
After going through a horrible divorce and was left in a hard financial situation..

I originally had a meeting with another... read moreI cant thank Ted Michalos and his entire team enough!
After going through a horrible divorce and was left in a hard financial situation..

I originally had a meeting with another 'company' out of Kitchener. And after that initial meeting I left in tears.. I was more upset, confused and left feeling like I had no way out. Feeling like nothing could help my specific situation...

But then I heard a pod cast for Hoyes Michalos and Associates that night and decided to make the call to see what they would say.

I spoke to Ted directly over the phone who reassured me instantly, apologised for my experience and set up an appointment.
Not only were they able to help the guided me through the process they did it with care and consideration.

I cant thank Ted, Cyndi, Meg and the entire team enough!

I am in such a better financial place now with the help of Hoyes, Michalos and Associates

Hoyes, Michalos truly cares to help their clients!

Just make the call.. they will guide you help you! read less

My wife and I have had the pleasure and privilege of using Hoyes services and are very grateful for all their assistance while dealing with difficult times.

A good experience overall dealing with Hoyes at this location. Benny provided comprehensive information about all options and helped facilitate a smooth process overall. It's important to do your own... read moreA good experience overall dealing with Hoyes at this location. Benny provided comprehensive information about all options and helped facilitate a smooth process overall. It's important to do your own homework first, and then you will be able to feel confident about your experience. read less

If you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain... read moreIf you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain free. Thank you so much for all you have done for me.
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My Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses to any and all queries I sent her way, truly... read moreMy Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses to any and all queries I sent her way, truly made this process sooo much easier. She was there to guide and advise as needed. I truly could NOT have asked for a better person to work with when going through my financial restructuring.
I highly recommend Sandra and this firm for anyone considering this step in their life.
Oh and the location at Yonge and Bloor on the subway for those that need but for me was just a walk away which made things all the better.
Thank you HMA for your assistance! read less

I have had one of the best experiences. Brett is very knowledgable and takes the time to explain everything to me. It takes a few minutes to get your life... read moreI have had one of the best experiences. Brett is very knowledgable and takes the time to explain everything to me. It takes a few minutes to get your life back on track. read less

Quality work, Totally recommended!

Great people to work with, caring and always willing to help Patty is a god sent and the budget master
Thank you

My experience with Hoyes, Michalos & Associates was very good. I find myself in a difficult spot with paying my Bill's and wasn't sure which route to go bankruptcy or... read moreMy experience with Hoyes, Michalos & Associates was very good. I find myself in a difficult spot with paying my Bill's and wasn't sure which route to go bankruptcy or consumer proposal. After speaking with Jason I got a better understanding of what would work for me. I also dealt with Jason's dad many years ago in the Vaughan office so when I needed help again I didn't give it a second thought.
Thank you Jason! Keep up the good work read less