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

The best decision I ever made was contacting them! Brett Nicholson was amazing and took the time to answer all my questions in person and over email. He helped me... read moreThe best decision I ever made was contacting them! Brett Nicholson was amazing and took the time to answer all my questions in person and over email. He helped me every step of the way and made the process easy. Mariya was also great and very helpful! My experience overall was amazing and I would highly recommend them. Forget any other company, you need to contact Hoyes!!!! read less

I came to the firm in absolute distress. Most people think that you get into debt because you don’t want to pay your bills but that was not the case.... read moreI came to the firm in absolute distress. Most people think that you get into debt because you don’t want to pay your bills but that was not the case. My back was against the wall and saw no way out. I contacted the associates to get advice and to be honest, what I got was a full night sleep for the first time in years. Hoyes, Michalos and Associates made me to feel valued and educated me on the pros and cons of options available to me. Jason Quinney was transparent, respectful and non judgmental. I did not feel like dirt under his feet but a human being that deserved another chance. It should also be noted that the office staff are equally knowledgeable and extremely helpful. The association gave me the changes to start over again and for that I am truly grateful. read less

Quick to respond, very effective, competent and friendly staff. No complaint.

I was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my debt which has in turn provided me with a better... read moreI was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my debt which has in turn provided me with a better outlook on the future and lift a huge burden off my back.
It was a pleasure working with them as well. The staff are extremely kind, friendly and very good at their jobs. I especially like the credit counselling as well as it motivates you to make better money decisions and gets you excited to start saving again.
I highly recommend this team to anyone going through debt troubles. I'm glad to have chosen them to handle my proposal. read less

Hoyes, Michalos & Associates Hamilton made an overbearing situation completely comfortable and lifted the weight and depression off of my shoulders to be able to start again with the tools... read moreHoyes, Michalos & Associates Hamilton made an overbearing situation completely comfortable and lifted the weight and depression off of my shoulders to be able to start again with the tools they provided. Beau and Billy both provided amazing, comfortable and educational help that put me at ease. I would highly recommend them to anyone looking for debt relief. Thank you! read less

Made appointment through email and they got back to me right away. My first appointment we discussed my options. They went through everything step by step, got all the... read moreMade appointment through email and they got back to me right away. My first appointment we discussed my options. They went through everything step by step, got all the paperwork filled out and by the time I left, it felt like a huge weight had been lifted off my shoulders. I would sincerely recommend Hoyes, Michalos & Associates. read less

I filed consumer proposal with them in November . They helped me a lot in restarting my life back to normal which was overwhelmed with debts and interest . Their... read moreI filed consumer proposal with them in November . They helped me a lot in restarting my life back to normal which was overwhelmed with debts and interest . Their great services and help gave me fresh start and hope for better days . Thank you to all the team and highly recommend them if someone is looking for help with Debt burdens. read less

Brian McIlmoyle is both professional & personable in his approach. I would not hesitate to recommend his services to anyone! You are in good & trusted hands.

My experience with this company is the best by far. Not only do they know their line of business their compassion towards their clients is very refreshing in today's society.

The... read moreMy experience with this company is the best by far. Not only do they know their line of business their compassion towards their clients is very refreshing in today's society.

The staff at this location are knowledgeable, understanding, very kind and patient. Not only do they help you through the process, they actually listen to you a rarity in today's businesses. I am truly grateful that I found them in a timely manner.

I have had nothing but a positive experience here. Windsor staff I applaud you and the lengths you go to create ease when dealing with clients.

Linda read less

I am so over pleased with rebecca at the Windsor office. She truly helped me out the the fullest. Gave me excellent guidance. Has a kind heart very... read moreI am so over pleased with rebecca at the Windsor office. She truly helped me out the the fullest. Gave me excellent guidance. Has a kind heart very understanding. Truly I am blessed to have her help me out in my financial tough times. I give her 100 gold stars if i could. read less