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

I went in not knowing exactly what I was going to do. Joel went through all my options, and explained what they would all entail. They were very understanding, and... read moreI went in not knowing exactly what I was going to do. Joel went through all my options, and explained what they would all entail. They were very understanding, and I didn't feel judged at all for being in my predicament. I feel like a weight has been lifted off my shoulders and I can breathe again. Thank you Joel & Heather! read less

Jason Quinney made my process very easy. I would definitely recommend Michalos and Hoyes If you are considering bankruptcy.

Best thing I did was go for some financial relief and advice with Hoyes and Michalos. They went through my options to help steer me on the right path... read moreBest thing I did was go for some financial relief and advice with Hoyes and Michalos. They went through my options to help steer me on the right path for a better financial future and piece of mind. I am in the right path for my family and I to come out ahead on the future. Staff are very informative and helpful. read less

Reliable, trustworthy and professional. Don't look too much for debt relief experts. They are the best in the market.

Excellent service from Joel and the team. Made me feel respected and everything was handled most professionally and thoroughly explained in a way I could understand. Highly recommended team.

Amazing. Weight lifted off my shoulders, staff are so easy to talk to, easy to get ahold of, responds to emails, gives honest feedback to help you clean up your... read moreAmazing. Weight lifted off my shoulders, staff are so easy to talk to, easy to get ahold of, responds to emails, gives honest feedback to help you clean up your debt mess. read less

I was looking for a place to do the proposal and you guys came up and you seemed to meet my needs. I spoke to Nicholas and he told me... read moreI was looking for a place to do the proposal and you guys came up and you seemed to meet my needs. I spoke to Nicholas and he told me to come in and see him, he helped me out and it felt like I hit the nail in the head. Everything went well, there was no stumble in between. Very happy and pleased with the services provided by both Nicholas and Diana. read less

I want to thank Brett for making this process extremely easy. I’m very happy with the outcome

I can't believe how easy a process this was and am so happy I approached Hoyes, Michalos to help me get back on track with my debt!
And they are so... read moreI can't believe how easy a process this was and am so happy I approached Hoyes, Michalos to help me get back on track with my debt!
And they are so conveniently located right at King Station! Great people who treat you with respect and integrity! read less

From the time I realized I would be needing some help, I was a nervous wreck. Didn't know what to do or who to go to. Then a friend of... read moreFrom the time I realized I would be needing some help, I was a nervous wreck. Didn't know what to do or who to go to. Then a friend of mine told me to check out Hoyes Michalos.

As soon as I received the first e-mail back I felt like I was in good hands, but was still a bit apprehensive about the whole process. Not being a homeowner, I didnt know which options if any would be there for me. After going through a phone interview with Scott Terrio, I agreed to come in and put my cards on the table and go from there.

From the first meeting with Scott, I felt at ease and knew that I would be taken care of. He thoroughly explained the process, and what the next steps would be in completing my Consumer Proposal. After the meeting when all information was exchanged, I left the office happy and like a weight was lifted off my shoulders.

When I went back in to the office to finalize the Proposal, I got to sit down with and meet Doug. He gave me a rundown of the timeline and any other new information that came about. The only thing left to do was wait for the creditors to respond, but I never had a doubt that it would not be excepted.

I was approved, and now have more financial flexibility and security going forward. Both Scott and Doug helped me out immensely. Even during the process, when one of my old creditors tried to harass me for payment, both Scott and Doug went above and beyond to help me out.

I would definitely recommend them to anyone who may be going through a hard time. There is a way for you to get out of your troubles, and that way is to contact the team at Hoyes Michalos. read less