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

I am so thankful to have found a solution to my debt problems. Jason has been amazing, was ready to help from the moment I called, he's great with communicating and always responsive when I have a question. Thank you for your help and I look forward to my debt free future!

Hoyes and Michalos and Associates have been wonderful to work with. The listen to my concerns and together we worked out a very suitable result to my problems. And I didnt have to resort to bankruptcy! I highly recommend Hoyes and Michalos and Associates for credit problems! Best of all.....they didnt judge!

Great customer service and knowledgeable.
Quick response and availability for answering questions.
Billy Martell worked well with explaining all options and what was best for my situation.

As life goes i made quite a few financial mistakes early on. I dug myself a hole that I wasn't able to get out of without some help. I went to Hoyes, Michalos & Associates off the recommendation of a family member. I was nervous, but they were amazing! Brian and Courtney truly understood my situation and helped me to understand many things about banking and the markets that I never knew. With their help and guidance I'm happy to say im debt free and the process was very easy. The customer service was fantastic and the payments were more than manageable. I cant thank them enough for helping me through this.

If you have any concerns or questions regarding your debt, I highly recommend this trustee!

Great experience working with Joel and team. Joel was extremely knowledgeable, quick to act, and informative. I was hesitant about exploring my financial options and I am glad that I found this team. They are open to answering any questions, the process filing a consumer proposal was a lot easier than I thought it would be and I'm a lot happier not having to deal with creditors anymore.

My experience with Nicholas service was exceptional. I am very happy and confident with all the decisions I’ve made for the past few moths despite of my complicated case. It gave me peace of mind and closure that I went to the right company like Hoyes, Michalos & Associates Inc who prioritized for what their client’s needs. They’ve given me the benefit to be financially back on track. Many thanks again for all the resources and guidance that you’ve provided to me.

I recently found myself swimming in credit card debt feeling overwhelmed and depressed. An online search brought me to HMA Windsor and Rebecca was fantastic. Totally professional, nonjudgmental and knowledgeable...I am now on my way to living debt free. I laugh more and sing while I cook. She's brought happiness back to my life! I highly recommend HMA Windsor to anyone who is struggling with debts!

I was going through a lot of difficulties, I could not find a way out. IN searching for all avenues I could think of, I landed on the Hoyes MIchalos & Associates Inc web site. While in our first meeting, I was at a loss of words, on how I could be helped. if anyone is having any financial difficulties, please contact Hoyes, Michalos & Associates Inc, they will make you smile again.

Before I found Hoyes Michalos I was literally at rock bottom. I was unable to make minimum payments on my credit cards and it was boiling down to the decision between groceries or putting money into a credit card. I had seemed help from the bank and was basically met with “you have no options but to shuffle your existing debt around. There is no option for consolidation” and they told me a consumer proposal would be a terrible idea but could provide no other solution.
When I met with Jeff he didn’t make me feel like I was failing like the bank had previously and he didn’t make me feel like there was no way out. I was treated like a person every step of the way and shown the reality of doing the proposal. I still have a long way to go to repairing my personal situation, but the support and guidance from Jeff and Krista has been great and has helped me feel like I’m not down and out just yet.

Drowning in debt before your 30 and feeling like there is no way to dig your way out is literally suffocating. So having people in your corner, helping you find your way is really reassuring. I am very grateful to have found Hoyes Michalos.

There the best to solve your financial problems... They are expert what they do!