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

Maryia Bratkouskaya has been amazing during my bankruptcy process. Truly amazing person and counselor!

Services are clear, concise, to the point all without losing sight of the sensitivity of the topic at hand. Very happy with services

I strongly reccomend that you seek out Hoyes-Michalos for support and guidance if you have run into difficulty with your creditors. The staff in the London office (in Ontario,... read moreI strongly reccomend that you seek out Hoyes-Michalos for support and guidance if you have run into difficulty with your creditors. The staff in the London office (in Ontario, Canada) are kind, professional and helpful, and their fees are also affordable. They provide Consumer Proposals and other options to relieve the burden, including counselling to help you on your way.

I can't recommend them enough, should you find yourself in financial hot water. read less

I’m very grateful that I came across hoyes, Jason was very professional and did a great job to make me understand step by step what was required of me. I... read moreI’m very grateful that I came across hoyes, Jason was very professional and did a great job to make me understand step by step what was required of me. I would defiantly refer him to others. Thanks again!!!! read less

Alison at Hoyes Michalos really helped get me through the worst experience of my life. She is charming and professional and makes what could be a very unpleasant experience... read moreAlison at Hoyes Michalos really helped get me through the worst experience of my life. She is charming and professional and makes what could be a very unpleasant experience almost enjoyable... read less

Have to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I... read moreHave to say when I first made appointment i was nervous, but when you first go in the door you are greeted by the receptionist very very friendly, then I got called in to meet with patty. Man do I not regret going with this company. Patty was very welcoming and treated you like family, no judgment she was there to help not make you feel worse then you already feel. So thank you patty and the whole Hoyes for helping me get back on my feet. 100% would recommend this company..

Thank again! read less

I had a consultation with another debt relief agency about filing for a consumer proposal and they asked me for 400.00 upfront which made me suspicious about them. I'm very... read moreI had a consultation with another debt relief agency about filing for a consumer proposal and they asked me for 400.00 upfront which made me suspicious about them. I'm very intuitive and didn't have a good feeling about them so I called Hoyes, Michalos and Associates and as soon as I talked to Sandra Sykora and heard how knowledgeable, experienced, kind and understanding she was I knew I would use them to file my consumer proposal. They all are licensed insolvency trustees. She never asked me for any money and she also never heard of this other debt relief agency so the public needs to be aware of this. She has helped me tremendously through a difficult time in my life always making me feel at total ease and comfortable. I would highly recommend this company and especially Sandra Sykora. She is outstanding!!

Laura L read less

I got referred by my sister to Jason Q., he is amazing at what he does, he has put me at ease, thank you so much Jason, definitely will recommend... read moreI got referred by my sister to Jason Q., he is amazing at what he does, he has put me at ease, thank you so much Jason, definitely will recommend to anyone looking for a consumer proposal. read less

This past year has been so incredibly stressful with covid, add to that the stress of not being able to pay my bills. Bankruptcy was the only option for me.... read moreThis past year has been so incredibly stressful with covid, add to that the stress of not being able to pay my bills. Bankruptcy was the only option for me. I called Hoyes, michalos & associates. I spoke to Brett Nicholson and I am so grateful to him for his professional and calming nature. I then spoke with maryia bratkouskaya who helped me with credit counseling and making sure that all the paperwork was in order. Both Brett and Maryia are so compassionate and helpful they truly cared about me and my situation. I have already implemented some of the ideas that Maryia has suggested to me on my spending habits and how I can better budget for the future. Thank you Brett, Maryia and the whole team at Hoyes, Michalos for helping me through this very difficult and stressful situation. read less

Can’t say enough good things about Meg and Ted and how they have helped me. Judgement free zone. Made me feel comfortable to ask any question, big or small. Gave... read moreCan’t say enough good things about Meg and Ted and how they have helped me. Judgement free zone. Made me feel comfortable to ask any question, big or small. Gave great tips and advice that will help me in the future. Highly recommend. Very professional and friendly. Thank you for the fresh start, I truly appreciate all your help. read less