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

Can't recommend Brian enough for helping me with my situation. He was very approachable, understanding and had no issue or any judgements. He transparently explained the whole process and my options in a simple manner that made the whole process more comfortable. Even after the process was put in motion he's was always responsive and helpful with any questions I had.

Excellent work with this firm, no BS! They were truthful, efficient & did not waste my time. I highly recommend them after talking with other Trustees that I found played games only to increase their share of the settlement.

I was a client of Hoyes & Michalos about 5 years ago and I finished my consumer proposal about a year ago. It was the absolute best decision I have ever made. This program saved my life. it gave me back my marriage, my friendships and my relationships with my family also. I appreciate all that they did for me, they gave me a voice to explain to others that there is hope out there. They don't have to suffer alone with all their debt. I have an excellent credit rating now. I currently owe $350. on my credit card from Xmas that I will pay off in full this month. This program literally changed my life in every respect. I now live on my budget that came from Hoyes & Michalos. I will never go back into debt again. I can't thank this company enough for all they did and a special thank you to Joel Sandwith for all he did and the little hug he gave me afterwards sealed the deal. Many many thanks. Sincerely Shel :)

Hoyes, Michalos & Associates had made it so easy for me to free myself from my debts! They were also the only company who made me feel like they cared about what was best for me and my situation which is why it was easy to make the choice to go with them. Scott is my broker and he is amazing and thorough and does anything he can to make it easier on me. I am very happy and highly recommend!

I have a great experience working with this company and Jason Quinney (LIT) on my consumer proposal. Jason was so helpful and incredibly respectful throughout the entire process. I never felt judged or pressured to make any decisions, everything was explained clearly and handled very smoothly. Thanks to their support, my proposal is approved. Highly recommend their services!

if you are dealing with a lot of debt hoyes Michalos and Associates is the place to go to ... I know the first step is hard but once you do it you will have no regrets...am on the other side now I have completed my proposal ...thank you again to the team in Scarborough.

Absolutely fantastic professional service. I was obviously very hesitant about the process but Kristen was beyond easy to deal with and extremely knowledgeable. 100% recommend dealing with HM&A.

We were embarrassed to start the process and Rebecca encouraged us to come and see what they could do for us and to not be embarrassed. Well, we did just that they made us feel very comfortable with the process. A matter of fact most of the work was done by them. We would encourage anyone to give these people a try, you won't regret it I guarantee it. Today being our second and final counseling session Tina was very helpful in addressing our concerns. We're confident that the finalization of our case will be as smooth as the beginning.

Great group of people & stress free. I’m gald to meet Doug. He lifted that debt off my shoulders. Thanks Hoyes, Michalos & Associates Inc. you guys are the best!

I was feeling very stressed out and depressed over my financial problems. I couldn't keep up with my payments anymore. A good friend said he had had a good experience when he spoke to an advisor at Hoyes, Michalos & Associates. I made an appointment and went to see one of their advisors. It was an incredibly uplifting experience. I was treated with respect and understanding. I was offered different options to resolve my debt problems. I couldn't believe how easy and quick it was. I now have a very manageable way to deal with my debt and I want to especially thank Mark for the kind and non-judgemental way he treated me throughout the entire process.