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

Would be nice to get a call back when you leave your advisor a voicemail!

I have nothing but good things to say about Hoyes, Michalos & Associates. From the first meeting with Billy, to choosing the plan that worked best for me, to having... read moreI have nothing but good things to say about Hoyes, Michalos & Associates. From the first meeting with Billy, to choosing the plan that worked best for me, to having my follow ups with Beau, everything was easy and well explained. I had constant support and the tools necessary to be successful. I highly recommend Hoyes, Michalos & Associates. read less

Hello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They made us feel calm and took care of everything with... read moreHello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They made us feel calm and took care of everything with a professional approach. We both were very happy with their service to us. read less

I have had one of the best experiences. Brett is very knowledgable and takes the time to explain everything to me. It takes a few minutes to get your life... read moreI have had one of the best experiences. Brett is very knowledgable and takes the time to explain everything to me. It takes a few minutes to get your life back on track. read less

I found myself in Way Over My Head in debt. I researched and found Hoyes, Michalos & Associates Inc. I gave them a call and setup a meeting. Patty was... read moreI found myself in Way Over My Head in debt. I researched and found Hoyes, Michalos & Associates Inc. I gave them a call and setup a meeting. Patty was excellent at explaining the process :) Their services are very affordable !! They are very informative about how to rebuild credit!! I'm WELL on my way to being debt free!!! Thank You Patty & Doug :) read less

Helpful staff, they put my worries at easy. Happy client. Will recommend!

Best staff ever Peter and Brennan are the best people they understand your situation and put out their best to help u

I can't even begin to explain how hard this decision was. I had exhausted all my options because I was drowning in payments just barely making it and the streets... read moreI can't even begin to explain how hard this decision was. I had exhausted all my options because I was drowning in payments just barely making it and the streets was unreal. My credit union actually suggest Hoyes & Michalo's to me because I had no idea what to do. I was sad, embarrassed, scared and I will say ignorant to the whole process. When I called I got Rebecca and she explained the options I had, walked me through them and let me make the choice. She was so comforting and nice and seem to understand how hard this was for me, she didn't treat me like a number she talked to me like I was a friend going through a tough situation. She is easy to get a hold of, and answers any questions I have. I'm still in the process but I have such a sense of relief now and a bit of comfort knowing that it's getting better. If you yourself are struggling to keep your head above water I highly recommend this place for different options to help bring comfort and yes you might feel embarrassed, emotional and scared but just know there is no shame to ask for help.

Thank you Hoyes & Michalo's so much and thank you Rebecca, you are awesome. read less

Billy was the best. Just completed my Bankruptsy with him. I'm so happy with there flexibility. Gave me options when I started and it was up to me to choose... read moreBilly was the best. Just completed my Bankruptsy with him. I'm so happy with there flexibility. Gave me options when I started and it was up to me to choose which path to go on. If I could rate 1000 stars I would. Keep doing a great job guys. I'm extremely happy. read less

I was in a financial crisis beyond my control .the creditors were calling me costantly at all time ,day and night and even my account was frozzen ...then I desided... read moreI was in a financial crisis beyond my control .the creditors were calling me costantly at all time ,day and night and even my account was frozzen ...then I desided to call Hoyes,Michalos and Associates and they help me with a propousal to my creditors to pay my debs .now I am paying what I can afford to pay monthly..no more harassment phone calls, and now on my way to be deb free Thank you Janette Martin for your counselling and support read less