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

I dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

Unfortunately life events happen, which lead up to myself filing a consumer proposal.

I had researched about 8 different firms before choosing Hoyes-Michalos & Associates and found them to be among the most honest ... Their level of expertise, professionalism and guidance was , in my mind, of the highest standards of excellence. I hold them in the highest of regards and most worthy of my highest recommendations...
I went in with their recommendations to declare bankruptcy which was against my first choice of a consumer proposal... Everything has worked out unusually well for me. Today I am debt free and a far better and aware manager of my financial resources...and I have healed myself from the trauma of catastrophic losses on 911.

If you are in a financial crisis get help now! Don't wait and hope it will all go away. Debt has been robbing me of my quality of life for too long and my only regret is not coming in sooner. I entered carrying the weight of my shame and defeat and left with the first shred of relief I have experienced in years! From the very first email correspondence to the actual first meeting the experience was nothing but positive! I have a lot of social anxiety and was terribly nervous but the second Ian started speaking I felt calm and determined that together we would come up with a plan that suited my situation and my means. He was thorough, spoke in terms I understood and made sure everything was making sense to me. He is the type of person that you instantly trust because it is so evident that all he cares about is you and your well-being. I was prepared for tears but instead of tears there was laughter. There was positivity and clarity and hope, all things I thought I'd never feel again under the shadow of this debt. There was zero judgement and I never felt that any of his questions were intrusive or made me uncomfortable. Just knowing that I have his guidance and that there is a clear plan to recover from this setback means more than anything right now. He followed up in an email almost immediately after our meeting to let me know that I can ask questions at any time and turned this money-trouble mountain into a money hill. I urge you to not let your pride or shame delay you from seeking help immediately! It's going to take some time and commitment on my part to get there but one meeting was all it took to make me optimistic about the next steps and my financial future.

This company is a excellent source to go to if you are in debt they are very friendly and helpful and willing to listen to your situation that u may be having when it comes to your money .. a special thank you to Nicholas and the team in scarbro great people to go to .

I went to Ian Martin at Hoyes in a time of financial struggle. In fact, I went to him several times before I finally made the decision to commit. It's not an easy situation for anyone to be in. He never pressured me, rather he just listened and gave advice. When I finally did commit he became more an advisor and a friend. I felt totally comfortable talking with him about my situation. If anyone is considering a consumer proposal or bankruptcy, I strongly recommend sitting down with Ian for a discussion. He is very understanding, and his approach is to put your mind at ease. The rest of the Hoyes team was great as well... special mention as well to Tabetha in the tax department. Thank you