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

I am a former client (I worked with Billy Martell). I filed for bankruptcy December 5th, 2012 during an exceptionally hard time in my life. The caring service I received from Billy, and all the employees I interacted with at Hoyes Michalos is so appreciated. Fast forward to September 2019 and my credit is not only clear of the bankruptcy notation, but with the credit counselling and advice I got, my credit score with Equifax is now 786!! which is in the EXCELLENT range. I can't thank Hoyes Michalos enough. To those just starting out on their credit improvement journey, keep at it, do what you're told and soon you'll be back on track to healthy credit and good financial habits.

I had the pleasure of working with Mark. I monopolized hours of his time asking questions and never felt rushed. I work in the law field and had a general understanding of the process but to say he was completely transparent is an understatement. I was very skeptical of dealing with a trustee as I have heard many horror stories. Mark made the process a complete breeze. I am so thankful for the fresh start . Thank you for everything.

Welcoming, honest, trustworthy and over the top fast. Making you feel comfortable ajd talk you through everything there is to know

Brian and all his associates helped us navigate our financial situation after we had to exit our business. His advise, knowledge and understanding of our situation on a personal and professional level was amazing. Always professional, approachable and worked in the interest of us. Highly recommend you talk to him and his team if you feel there is no hope!

I recently found myself swimming in credit card debt feeling overwhelmed and depressed. An online search brought me to HMA Windsor and Rebecca was fantastic. Totally professional, nonjudgmental and knowledgeable...I am now on my way to living debt free. I laugh more and sing while I cook. She's brought happiness back to my life! I highly recommend HMA Windsor to anyone who is struggling with debts!

Thank you so much to Hoyes, Michaelos & Associates Inc. specially to Brian Mcllmoyle for helping and assisted me...you are the best & very professional highly recommend🙏🤗

Extremely professional and very helpful. If you need financial help I can't recommend them enough.

My Trustee was Sandra Sykora she was clear and direct and always checked in that I understood what she said. Which calm me down enough to laugh a little. I love how I got an email follow up from the consultation, and each follow up counselling sessions. Every detail was clear and given to me in paper format and in email format. Plus the blog really helped me picture the process from start to finish and it even got me to think it's possible to own my first home. Really happy with the office location for Yonge and Bloor

Hoyes, Michalos helped me to get my finances under control. I was so stressed out in trying to meet all the financial obligations and there were just too much. Hoyes, Michalos walked me through my options and helped me to negotiate a reasonable arrangement with my creditors. Now they are helping me to build back my credit and move into a better financial position. Thank you Hoyes, Michalos & Associates!

I am so glad that I made the decision to contact Hoyes, Michalos & Associates Inc. to get professional help in resolving my debt situation. From the initial phone call, to every step along the way – I felt that I was treated with respect, kindness, understanding, and in a non-judgmental manner. Every member of this team that I spoke to was awesome and displayed the highest degree of professionalism and care.

Doug was my assigned LIT and right off the bat I felt at ease telling him about my debt problem and how I got myself into this situation – it felt like a huge weight was being lifted from my shoulders just by talking with him due to his reassuring manner. I was impressed by his knowledge and how he carefully explained the options that were available to me, as well as providing his recommendations.

I am happy to say that my debt situation is now resolved to my satisfaction, and I truly feel like I have been given a second lease on life – a fresh start! I almost can’t believe that it’s real when I think about how I was feeling about my situation a few months ago, compared to how I am feeling now and the way that things turned out. Thank you so much Doug for everything and for all the advice you provided to help me stay out of debt moving forward.

Carrying a large debt and facing the situation alone can be very scary as I know from my own personal experience. But I have learned that anything is manageable and that there is a light at the end of the tunnel –sometimes we just need help getting there. I would recommend anyone that has a debt problem to contact Hoyes, Michalos & Associates Inc., as they are true professionals here to help.