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

they did not help me at all with my consumer perposal. they folded to the creditors and didnt even fight for me.

would not recommend them.

These ppl saved my life ,the best phone call ive ever made.very friendly , nonjudgemental,very helpfull,caring,understanding,& they know their stuff.i definitely give them not just 5 stars but a whole... read moreThese ppl saved my life ,the best phone call ive ever made.very friendly , nonjudgemental,very helpfull,caring,understanding,& they know their stuff.i definitely give them not just 5 stars but a whole universe full of stars read less

Tina was amazing today. She helped me through my second counselling session and gave me some helpful tips for when it comes to rebuilding my credit. Thank you to the... read moreTina was amazing today. She helped me through my second counselling session and gave me some helpful tips for when it comes to rebuilding my credit. Thank you to the whole team who has helped me through my bankruptcy and now my consumer proposal. You guys are awesome and very helpful when it comes to deciding what to do when it comes to debts and finances read less

Douglas Hoyes is a consummate professional and from the first time I spoke to him to the very end his service, ethics, empathy and understanding was nothing short of exceptional.

It... read moreDouglas Hoyes is a consummate professional and from the first time I spoke to him to the very end his service, ethics, empathy and understanding was nothing short of exceptional.

It took me a while to get to the point to ask for help. My situation was complex and far from the norm. Doug took the time to understand the details and truly worked hard to get me through this.

His team was available and detail oriented. Nothing fell through the cracks.

Before starting our relationship I did interview other providers. Doug stood out and it was an easy choice.

I highly recommend you trust your affairs to this organization. read less

We were embarrassed to start the process and Rebecca encouraged us to come and see what they could do for us and to not be embarrassed. Well, we did just... read moreWe were embarrassed to start the process and Rebecca encouraged us to come and see what they could do for us and to not be embarrassed. Well, we did just that they made us feel very comfortable with the process. A matter of fact most of the work was done by them. We would encourage anyone to give these people a try, you won't regret it I guarantee it. Today being our second and final counseling session Tina was very helpful in addressing our concerns. We're confident that the finalization of our case will be as smooth as the beginning. read less

Wow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue... read moreWow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue to undertake.
Really pleased that this option was made available to me...So relieved and at the same time flabbergasted at the results: being debt free and all the stress and pressure are now history for me.
Benny has so much experience, a true and genuine specialist in his field, demonstrating so much integrity, knowledge, and applying superior negotiating skills on behalf of his Clients.
For all this, I am very grateful, Thank you Benny. read less

My trustee was knowledgeable and efficient. He answered all of my questions and concerns effectively and in a friendly manner. They were great to deal with.

My husband and I dealt with Rebecca in the Windsor office. We both filed for consumer proposals and were nervous and embarrassed. She was incredibly helpful, professional and non judgemental,... read moreMy husband and I dealt with Rebecca in the Windsor office. We both filed for consumer proposals and were nervous and embarrassed. She was incredibly helpful, professional and non judgemental, and guided us through
the entire process. The proposals went really smoothly, it was a whole lot easier than I thought it would be. read less

Amazing service, couldn't be happier! These guys know exactly what they are doing.

My husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized we could not manage our level of debt. Even though... read moreMy husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized we could not manage our level of debt. Even though we are of the generation taught to take care of our responsibilities, we could not.
We contacted Hoyes, Michalos (I don't remember who recommended them).
Everyone was pleasant, helpful, knowledgeable and capable. They made us feel comfortable with no sense of recrimination and helped us efficiently. Excellent service and care.
We have finished the five year term and realized we needed to improve our credit rating. We called Hoyes, Michalos again and they were able to help again.
We are grateful for the emotional care, knowledge and expertise. I would recommend them to anyone. read less