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

This office helped me in ways I could not have imagined. I had reached out to them to bounce off a question I had about managing debt. Ian listened to my question and then he asked about my full situation, he listened through it all. Ian provided me with an answer to my question as well as some provided me with some options that I did not even know existed. Because of his recommendations I decided to go a different route in managing my debt than what I had originally intended to do, which was amazing! Not only was the process simple it was also seamless. The stress and pressures are now off my shoulders and I can actually start to live life with possibility and hope. Hoyes Michalos stepped in and stepped up to help me on my journey of becoming debt free. If I could, I would give them 10 stars for amazing service, great options, and the added support I needed.

This company and certain individuals have done wonders for fighting for me to help me manage my debt. They have given me tons of information so I don't wind up in this spot again. Truly, a wonderful group of people, who hold your best interest as if it's their own. 100% recommend.

I just want to thank Joel and team for making this so easy for me. It was stress free and a really positive experience. Now I can move forward.

Mark was absolutely amazing. Bankruptcy is a very intimidating process. He helped me every step of the way. Very quick same day response time, and very clear about my options. Excellent overall experience. Many firms want to subject you to an 'assembly line' style interaction. In contrast, Mark took the time to thoroughly understand the dynamics of my personal circumstances and delivered remarkable individualized service. My situation required plenty of patience. Mark was persistent and never gave up on me. I have appreciated his advice and filing for bankruptcy has helped me with my anxiety and a fresh financial start. Thank you Mark, for your unwavering dedication and most of all compassion.
April C.

Couldn't have asked for a more seamless experience in handling my Consumer Proposal! Thank you to Ted and his team who were always very quick to respond and answered questions thoroughly and without judgement. Highly recommend their services.

Jason has been so great and made me feel very confident and comfortable in filing my consumer proposal. It’s such a relief to be on my way to being debt free. I highly recommend Hoyes & Michalos. & associates

They do a wonderful job. Very informative with the details of the process. They gave me great advice and were there every step of the way. I highly reccomend them to anyone with debt issues. High five guys. Well done.

I came into a hard time in my life. I was looking for help and this office appealed to me. When I booked my first appointment I was so scared. The first person I got to meet with was Patty. She was so nice and made me feel at ease. She was very understanding of my situation, gave me great advice, and even made me laugh a few times. Knowing that my future appointments will be with her is great. It will make everything so much easier and stress free. I know for sure if anyone I know needs advice, I will definitely recommend this office. Thank you so much Patty and everyone from Hoyes,Michalos & Associates :)

This company is amazing. They helped me settle over 100 grand iof debt with just 18 grand. I am forever grateful for them. If you need help getting out of debt, you really should make that first step and call them

Team was great, helped my senior uncle with all of his repetitive, and annoying questions, took time to ensure he understood things no matter how many times it took.
I would highly recommend this organization and Bret, and the team at the etobicoke office.
If they were this amazing with some one who tries my patience on a regular basis and helped him make the best choice for his situation I can only imagine how much better they would be with a regular person.
If you are in need or a desperate situation, call them, and they will treat you with the same compassion and professionalism we got! You wont regret it!
Neil