GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE

I waited 2 years before finally reaching out to declare bankruptcy. Was far from the way I envisioned it would be. My Trustee Benny was polite, professional, and understanding. My guilt and shame at having to file bankruptcy was discussed calmly and anticipation of what I thought would happen was completely wrong.
The information I needed was given without prompting, and any questions I had were answered fully.
I chose Hoyes, Michalos as their website offered amazing info on the process, in particular for me as a self-employed small business owner.
I heartily recommend Hoyes,Michalos to anyone with debt issues, a surprising list of solutions are offered and info on pros and cons was readily and thoroughly discussed.
Thank you Benny Mendlowitz! You've given me my life back and look forward to working with you over coming months to resolve this process.

Jamie has been a pleasure to work with. She was so understanding, compassionate, informative, and professional. In what feels like a very negative situation, she was able was able to find a solution and offer solid advice. I highly recommend working with Jamie and Ted.

Thank you Hoyes, Michalos and Associates! I'm on the road to being dept free!

Amazing staff and service. Were able to help me through my insolvency process with minimal requirements

August 2024 reached out to Hoyes,Michalos and Associates for questions and possible file a consumer proposal. Jason Quinney was my representative, he was very professional, knowledgeable and helpful. With Jason's expertise I file my consumer proposal everything went smoothly and now I am on my way to be debt free. Thanks Jason and partners a very satisfied customer 😀 👍 Verna. D

I just want to thank Joel and team for making this so easy for me. It was stress free and a really positive experience. Now I can move forward.

Hoyes Michalos & Associates was a great help to me from the moment I first contacted them about getting my debt under control. Trustee Sandra Sykora and her team were knowledgeable, courteous, considerate, and concise in their guidance and support, and were able to give me invaluable insight into rebuilding my credit and getting me back in control of my finances. Superb service all around - thank you! :)

Joel has been an absolute pleasure to work with, gave me a ton of information in a way that made sense to me, and has helped me take the leap into finally dealing with my debt, once and for all. For the first time in my life, I have hope for my financial future.
Heather has also been great and given me valuable tips and insight into rebuilding after a consumer proposal, and managing my finances in a way that will keep me out of trouble in the future. Cannot say enough good about Hoyes, Michalos & Associates.

After working with Scott and the team at Hoyes, I have never felt more happy and alive! Taking that burden of debt stress off and making a plan to get back on track was honestly the best thing I have done. I highly recommend them!

I would recommend Hoyes, Michalos & Associates to anyone looking for help, great team and friendly staff.