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

I want to express my gratitude to Benny for his invaluable assistance throughout this process. He patiently guided me through each step, explaining everything clearly and addressing all my concerns. Thanks to his support, the process was smooth and efficient. Benny's patience, empathy, and unwavering support made navigating this complex journey much easier for me. I highly recommend Hoyes, Michalos & Associates for their excellent service!

Always there when you need them with the answers you need. Patty and Howard have been a great help. Thank you both!!

I must say that 5 stars aren't enough for Benny and his team at Hoyes, Michalos & Associates in North York. This has been a life-changing experience for me, they were professional, non-judgemental throughout the process, always willing to help and ready to answer any questions that I had at any time. Thank you Benny, Brennan and Wendy, I wish I could give you more than 5 stars. Thanks again!

The professionalism and care Scott has taken with me is impressive. If you don't know where to turn in times of trouble you must go here. They take so much care in your finances and truly care at getting you back on track. Thank you so much Scott

Billy and Peter were both phenomenal. Both were extremely friendly, caring and helpful. I was a little nervous going in but both of these gentlemen made the process much easier and less stressful.

Scott, the agent who handled my case was very quick logical minded, organized in his work. With his help, I was able to prepare all the documents easily, and got the approval in the first try. They are really good at what they do, and know how to get the job done. I highly recommend this company to anyone in financial difficulty.

Deciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett Nicholson as my trustee. I recommend him 100% if you can get him as your trustee.

He is extremely knowledgable and professional. He responds to emails and phone calls in a timely manner and will put your best interest at heart.

Brett is also very caring and understanding. He takes the time when explaining things to me and ensures that all of my questions are answered. Having Brett as my trustee has reduced a lot of my stress as he always tries to help where and when possible. He really goes the extra mile to help me when I reach out to him.

I recommend Hoyes, Michalos & Associates Inc. to anyone who is in a sticky situation. I am sure that the other trustees are good but if you can work with Brett Nicholson, you are in really good hands.

The only thing that gave me more anxiety than my financial situation, was actually reaching out and asking for help dealing with it. I was stuck in a never ending cycle of taking out payday loans to pay back other borrowed money. Eventually, I was at the point where my biweekly minimum payments were higher than my pay. I reached out to Hoyes, Michalos & Associates, and after a short judgement free consultation they started my proposal process. I received the email this morning that my proposal has been accepted by my creditors, and for the first time in a long time I feel like a weight has been lifted off my shoulders. My only complaint is with myself that I didn’t reach out sooner.

Mr. Scott T. is incredibly patient with me to the point of answering same questioned i had repeatedly . He explained every details to me made sure understood what needs to be done .
My consumer proposal has been approved sooner than I expected by his help. I'm genuinely happy of the result. I was skeptical at first but based on my experienced, I would definitely RECOMMEND HOYES MICHALOS, try getting their help yourself, they won't disappoint you.

Thank you! Amazing Team.

Arsenia 🙂😁😁

Hoyes, Michalos & Associates, are great at what they do , very informative and on the ball , gave me room to breathe again and get me back on track with finances. I Personally recommend to give them a call if your struggling and stressed out with finances, very friendly staff and go out of their way to make you feel better about your finances and credit.