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

I had almost 70k in debt at 24. The idea of drowning in debt never felt so real. People had told me about a consumer proposal before but I had to much pride, I thought I could dig myself out on my own. Eventually my debt and the calls all became too much for me to handle and I finally filed a consumer proposal. It changed my life. The relief I’ve gotten from having my debt managed finally is beyond words. I recommend these guys to every one of my friends who has debt issues.

My husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized we could not manage our level of debt. Even though we are of the generation taught to take care of our responsibilities, we could not.
We contacted Hoyes, Michalos (I don't remember who recommended them).
Everyone was pleasant, helpful, knowledgeable and capable. They made us feel comfortable with no sense of recrimination and helped us efficiently. Excellent service and care.
We have finished the five year term and realized we needed to improve our credit rating. We called Hoyes, Michalos again and they were able to help again.
We are grateful for the emotional care, knowledge and expertise. I would recommend them to anyone.

I am so happy I found Hoyes, Michalos & Associates! I only wish I would have came to them sooner. They have taken such a weight off my shoulders!

Jason Quinney from (Hoyes, Michalos and Associates Inc) has helped me when i was in a very bad financial place in my life.

Him and his team have really great with me from the very first time i walked in there office they are very professional.

Jason have given me great advice and answer all of my question when i asked them. Which lead me to make a proper decision about my finances.

If you are in any financial problem please vist them, they will help you the same professional way they helped me.

Billy made me feel very relaxed and comfortable during my proposal. He is very professional, compassionate, friendly and kind and answered any questions I had. The office staff is very friendly as well. Thankyou for making this experience easy and less stressful. Thankyou for all your help and for listening. I would recommend his office to anyone.
Judi

Very good service. Patty was amazing they help you understand fully the difference between a proposal and a bankruptcy. They are a legit company. Friendly staff and compassionate. Very experienced and will help you work through your budget to save money.

I cannot say enough about how well I’ve been treated throughout the process with Hoyes, Michalos and Associates. Specifically dealing with William (Billy) Martell. Billy has been so helpful providing me with all of the possible options I have including the pros and cons of any and all decisions that I had to eventually make. These past few years have been very humbling to say the least after covid hit our country in quickly realizing the negative impact it had on myself and my family financially was very unexpected and hard to recover. Billy has been an absolute professional and master of understanding of mine and my families financial situation helping us with budgeting and money saving ideas which in the long run has helped us a great deal and made us understand how much money we could actually save just by making a few small adjustments from a budgeting and spending standpoint. I have a few years ahead of me to get through everything but with All of the tools that Billy has provided me and my wife I feel like the future is bright one at the end of the road. Thanks so much Billy, Hoyes, Michalos ans Associates.

A professional team .They make easy for me to get rid of my debts.Thank you for your great job.I strongly recommend this company .

Very happy with the support and assistance i received from Jason. Hoyes & Michalos are highly recommended for great service and friendly staff. I was made very comfortable during the process and had all my questions answered.

Mark and Michele are always understanding, knowledgeable, and professional. I trust them completely with my affairs and I would recommend them to anyone. Thanks so much!