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

A very relaxed, non judgmental initial interview laying out the appropriate action for my circumstance. Follow-up visits reinforced the feeling of being respected and being able to discuss... read moreA very relaxed, non judgmental initial interview laying out the appropriate action for my circumstance. Follow-up visits reinforced the feeling of being respected and being able to discuss the process and report filings in a very cordial, informative environment. Definitely, it has been a very pleasurable experience so far, as I continue to deal with the reality of having to file for bankruptcy. read less

Do your homework before going to places like this. When I spoke with them they talk about how the government sets prices. While that is true they do NOT have... read moreDo your homework before going to places like this. When I spoke with them they talk about how the government sets prices. While that is true they do NOT have your best interests at heart... only their own. Hoyes is good to go to once you have exhausted all your options. I have seen people file when they had so many other options but the lawyer just wanted to get paid. Consumer proposals and bankruptcies stay on your credit report for 7 years. BE WARNED read less

Best thing I have ever done was make the call to Hoyes, Michaelis and associates. The feelings of anxiety and embarrassment were quickly washed away from the moment I spoke... read moreBest thing I have ever done was make the call to Hoyes, Michaelis and associates. The feelings of anxiety and embarrassment were quickly washed away from the moment I spoke to Howard. He was full of knowledge and empathy. I was thoroughly informed as to my options and made the best decision with guidance that I trusted completely. My follow up with Patricia was so helpful ..... It gave me hope for my financial future. I cannot recommend this company enough if one is considering doing a bankruptcy or proposal. read less

I am so pleased to have found help with my finances. Hoyes, Micalos @Associates have been super helpful and I would and have recommended other folks to this site for... read moreI am so pleased to have found help with my finances. Hoyes, Micalos @Associates have been super helpful and I would and have recommended other folks to this site for help. Thanks so much. Patti has been so easy to work with especially with the stress I was going through. read less

I can't say enough good about Diane. She is patient, caring, and extremely knowledgeable. These folks do not push any agenda on you. They sincerely care about getting you where... read moreI can't say enough good about Diane. She is patient, caring, and extremely knowledgeable. These folks do not push any agenda on you. They sincerely care about getting you where you need to go. Highly recommended. read less

Very professional. Diana & Nicholas have made this otherwise dauting process manageable. They are very responsive and helpful. Would definitely recommend.

Had serious issues. They helped me. Even though they were unable to discharge everything I'm still happy with reduction of my debt and stopped creditor calls. Most importantly the stress... read moreHad serious issues. They helped me. Even though they were unable to discharge everything I'm still happy with reduction of my debt and stopped creditor calls. Most importantly the stress has stoppedwhich is only good for my mental health. read less

Hoyes and Michalos were very helpful to me .
They took a big load off my shoulders and
I thank them very much .
They were very helpful and never felt any... read moreHoyes and Michalos were very helpful to me .
They took a big load off my shoulders and
I thank them very much .
They were very helpful and never felt any pressure from them .
Thank you read less

I could say so many good things but people would get bored. Everyone on the team here is so transparent and so informative every step of the way. From start... read moreI could say so many good things but people would get bored. Everyone on the team here is so transparent and so informative every step of the way. From start to finish they are supportive and work in your best interest. The best example to give would be by the end when they ask you if you have any questions, you just don't because everything goes along so smoothly and comprehensively. read less

I just finished speaking with Alison from Hoyes, Michalos and Associates and she could not have been more kind, courteous and helpful to me. Those three descriptive words extend not... read moreI just finished speaking with Alison from Hoyes, Michalos and Associates and she could not have been more kind, courteous and helpful to me. Those three descriptive words extend not just to Alison whom I have had several conversations with but to all others I have had contact with to help me with my situation. Their collective help and empathy have let me face and deal with my situation in a more positive mindset than I had previously. I am pleased to have chosen them to represent me and to look after every detail.

Jeff Magder read less