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

Benny and Janette are incredibly helpful, I’m very pleased with their help, and encouraging to fix and improve my situation.

From the time I realized I would be needing some help, I was a nervous wreck. Didn't know what to do or who to go to. Then a friend of mine told me to check out Hoyes Michalos.

As soon as I received the first e-mail back I felt like I was in good hands, but was still a bit apprehensive about the whole process. Not being a homeowner, I didnt know which options if any would be there for me. After going through a phone interview with Scott Terrio, I agreed to come in and put my cards on the table and go from there.

From the first meeting with Scott, I felt at ease and knew that I would be taken care of. He thoroughly explained the process, and what the next steps would be in completing my Consumer Proposal. After the meeting when all information was exchanged, I left the office happy and like a weight was lifted off my shoulders.

When I went back in to the office to finalize the Proposal, I got to sit down with and meet Doug. He gave me a rundown of the timeline and any other new information that came about. The only thing left to do was wait for the creditors to respond, but I never had a doubt that it would not be excepted.

I was approved, and now have more financial flexibility and security going forward. Both Scott and Doug helped me out immensely. Even during the process, when one of my old creditors tried to harass me for payment, both Scott and Doug went above and beyond to help me out.

I would definitely recommend them to anyone who may be going through a hard time. There is a way for you to get out of your troubles, and that way is to contact the team at Hoyes Michalos.

Never thought I'd be in that position, but Hoyes, Michalos & Associates were there to ease my stress.
I feel like I can properly plan the rest of my future now with that weight of my shoulders.
Thank you Howard & Patty. 🙂

I can not thank enough Hoyes & associates for all there help during my difficult time! I can finally breathe and a special thank you to Benny :) He is patient , understanding and trustworthy… Thanks again Benny and Hoyes associates I really do appreciate it !

Hoyes, Michael's and Associates are great to conduct business with. Both Mark and Janette are warm, non-judgemental and informative. Their communication skills are top notch. I highly recommend this business.

They were so helpful and respectful in helping me with my situation. And guided me every step of the way, to help me get on track with my life. Thank you for everything you guys have done

Do not hesitate to use their services. Their staff are very caring and compassionate. Maureen Parent is extremely helpful, kind and professional.

Phenomenal experience. Authoritative and helpful, which is exactly what you'd want in such a service.

Facing financial hardship wasn't easy for me, especially during the pandemic and losing a job. It took time for me to actually look for help and finally I found Hoyes, Michalos & Associates. I would like to thank you Benny and the team for putting me at ease during the process of my consumer proposal. Without Benny's help, I wouldn't be able to move forward in my daily life and stress out with all the creditor's calls. I would highly recommend anyone who is facing difficulties in debt reach out to Benny and the team for better financial advice and they will help you through this process until the end. Thank you Benny for the time and patience.

A lot of people are into debts but only a few know about consumer proposals unless they’ve gone out and done their research. When I first contacted Hoyes, Michalos & Associates, I had no idea what the firm was all about. Customer Service was quick and efficient to answer my call. The rep explained very well how it works and I was then connected to a Licensed Trustee Manager Scott. He guided me through all the steps and what to expect of the consumer proposal program. I was mentally burned out. My back-to-back debts were taking a toll on me but Scott helped me understand. My debts were reduced to more than half of what I owe provided I make sure I put equal amount of work on my consumer proposal programs That means, making consumer proposal payments on time based on what is approved by the creditors, attending a credit counselling with the licensed trustee and successfully finishing the program. Scott is always there when you have questions, very knowledgeable and professional. A heavy burden lifted off my shoulders. Thank you🙏🏼 I highly recommend this firm and talk to someone today!