Hoyes, Michalos & Associates Inc.
Licensed Insolvency Trustees for Consumer Proposal,
Personal Bankruptcy and Debt Relief in Ontario

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.

My experience was great. Jason was very informative and knowledgeable about the situation. He went through the process very thoroughly and carefully. I would recommend anyone who wants to do a proposal to Jason at Hours, Michalos & Associates.

Jason from Hoyes, Michalos & Associates was very friendly and professional when it came to helping me out with my proposal. Fast to get back to any questions I had he make you feel at easy and it's good knowing they are on your side.

It was a pleasure dealing with Joel. In addition to being highly professional and very knowledgeable, he was patient and provided us with genuine and trustworthy advice, all during the free consultation. I would not hesitate to seek his services again.

Today I received my Certificate of Discharge, I feel liberated. For years I had stressed and worried about the debt I was in from a business venture gone bad over 10 years ago, and I had no way out of. I knew my only option was bankruptcy but I kept putting it off because I was afraid of the process and I didn’t even have all of the information I needed because I didn’t have access to any of the paperwork from that business venture. I had such terrible opinions about bankruptcy. I struggled with the choice of bankruptcy. UNTIL a family member gave me the push I needed to just make a phone call and inquire about my situation. I called the most reputable company I could find in my area, I am so happy I did. Within 2 minutes of speaking with someone ALL my worries and doubts we’re gone. Within a week I was assigned a Trustee, and we started the bankruptcy process. He made it so easy, he was so informative and so supportive throughout the entire process, which to my surprise, was only 9 months!! I felt like more than just a client, he made me feel so comfortable and at ease. The ongoing support I received from Scott was amazing, and I just know even though my file is closed he will be there for me if I have any questions or need any advise in the future. I have and will continue to recommend Hoyes, Michalos & Associates to anyone searching for financial freedom. I want to very one to know that you do not have to live with guilt, stress, weight on your mind due to finances, give them a call and explain your situation, they will come up with the BEST solution for you and they will take care of everything.
Thank you Scott and Thank you Hoyes, Michalos & Associates for this new sense of Freedom I have.

$2,340 vs $72,125 - What would you rather pay?!

My debt was $72,125.

After I declared bankrucpy, I had to pay $65 every week for nine months. After that, I was discharged and debt free!

$2,340 vs $72,125!

They not only saved me $70,000, they saved me from the stress, anxeity that came along with it.

And, I have just qualified for a new credit card!

FRESH START!

Thanks Rebecca, and the Windsor Branch!

Your services were more effective in curing my financial stress than a Clozapine, followed by a Joint, chased with a Beer ;)

Very friendly and knowledgeable staff. Highly recommend them for help.

Hoyes, Michalos & Associates, were extremely helpful every step of the way when I filed my consumer proposal. They walked me through every step and were available by phone and email to answer any questions I had during the process. Benny, Janette, and the rest of the North York staff put me at ease and made this process very easy. I researched a lot of agencies and I am happy that I chose Hoyes, Michalos, & Associates.

Sandra helped me cut my debt in half. I highly recommend contacting Hoyes Michalos if you are drowning in debt payments. Don't hesitate!

Coming from someone who had Zero expectations and zero knowledge, Benny was very helpful and informative from the start. The whole process was very quick and easy, with no issues and great communication. Highly recommend.