GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE

Fantastic support from the team. They made it so easy to get my life back together and were simply amazing. They gave me peace of mind and I highly recommend them.

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 has been amazing! Patricia and Howard have been very patient and caring through this whole process. What I love the most is they made me feel very comfortable....I never once felt unworthy. I encourage anyone having financial difficulties, which many of us are through this Covid time, to make the call and get yourself on a happier and less stressful road!

Very friendly and knowledgeable! Howard helped me understand processes and explained the pros and cons of both bankruptcy and consumer proposal. He really helped me make a confident decision and walked me through everything! I highly recommend Hoyes Michalos. I had so many questions and he was always so kind and helpful, even during the time I was unsure what I was going to do.
Thank you!

Hoyes and Michalos great place to start life if you have financial debt My trustee Jason takes you step by step and takes away all the stress . the counselling make it practical and safe to start living again debt free. Please take the leap and take your life back from the creditors. Five stars

This company realy want to help people!!!They are amazing ,trustworthy people!!Thank you Brian!!!!!

I am a former client (I worked with Billy Martell). I filed for bankruptcy December 5th, 2012 during an exceptionally hard time in my life. The caring service I received from Billy, and all the employees I interacted with at Hoyes Michalos is so appreciated. Fast forward to September 2019 and my credit is not only clear of the bankruptcy notation, but with the credit counselling and advice I got, my credit score with Equifax is now 786!! which is in the EXCELLENT range. I can't thank Hoyes Michalos enough. To those just starting out on their credit improvement journey, keep at it, do what you're told and soon you'll be back on track to healthy credit and good financial habits.

I started my journey in late 2018 to start debt consolidation and I saw Jason who has helped me since then, and answered every single question I had, even if it was a stupid one. Hes very kind and always quick at replying to me via email. Thank you Jason, and thank you to Hoyes and Michalos for your wonderful service.

Doug Hoyes and the entire the team at Hoyes, Michalos & Associates are top notch. Having run into some very difficult financial situation for my family and having no where to turn, we contacted Doug Hoyes for advice. Doug has gone out of his way to help and provide any level of comfort he can given our tricky financial debt. Everyone here in the Ontario location is incredibly courteous and equipped with expert level knowledge and advice. We, of course, never want to run into our financial situation again, but if we do, there is only one place we would call and that's Hoyes, Michalos & Associates. Amazing people, amazing company. If you find yourself in need of help, these are your people.

Seriously, they will listen to your financial hardships without judgment and point you in the right direction toward debt alleviation. Doug has personally given me the confidence with my own situation. I can't recommend him enough.

I am extremely grateful to Hoyes Michalos, especially Billy, for their outstanding support during my consumer proposal process. From the very first consultation, everything was explained clearly, and I felt reassured knowing I was in good hands.

Billy was always professional, patient, and ready to answer all my questions. The process was smooth, and I received all the necessary guidance every step of the way. I highly recommend Hoyes Michalos to anyone facing financial difficulties. Their expertise and dedication truly make a difference!