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

Very nice kind helping people. From the first call to every follow up call and any call in between. There was no judgement only a willingness to help. They gave you the options you had so they made you feel that you had a way out. Highly recommended :)

The team is very knowledgeable and helpful. They explained everything to me. They were always available to send any answers to my questions. Thank you.

During a difficult time I had to make a decision that would ultimately benefit myself and more so, my family. I chose Hoyes, Michalos and Associates because I had heard they were efficient and fair.
My counsellor was Jason. He was non-judgemental, very efficient and kind. He made himself available as needed and understood my financial predicament.
I highly recommend using Hoyes, Micahlos and Associates and strongly recommend Jason Quinney.

Scott Terrio is amazing!! He is extremely friendly and professional! He has been beyond helpful since day one! I highly recommend him and everyone at the Hoyes Michalos team, they go above to make sure the client feels comfortable! They are non judgemental & explain everything to you in detail that actually makes sense! I can’t say enough great things about my experience!

Billy was just a huge help in my debt relief, extremely nice, and made a tough day lighter. Thanks

I was reluctant to consider the options to help me move forward. Ian made it easy to understand my options and how the process worked. Any inquiries I made were answered promptly and in detail. I am very happy with my result and ready to begin a new chapter. Thank you for your dedication to changing peoples lives for the better. I look forward to our continued relationship and will be referring you to friends and family!!

I was initially terrified when it came to bankruptcy but the individuals at this office are absolutely elite. Friendly, understanding, and welcoming throughout the entire process. I get to have my life back because of these people. I am forever grateful.

I was living pay cheque to pay cheque and struggling. The stress I was dealing with was affecting many aspects of my life in a negative way, I finally turned to Hoyes , Michalos & associates. This was the best decision I have ever made, Jeff and Alison are amazing people to deal with, they are so understanding they explain the process in a way that I completely understood, I wish I had done this year's ago, my life has changed so much for the positive and I'm stress free. I highly recommend Hoyes , Michalos and associates, if you are struggling like i was PLEASE call them because you WILL get your life back!!

In a very stressful time, the staff, especially Sandra, at Hoyes, Michalos & Associates, were professional, informative, and reassuring that there was indeed a light at the end of the tunnel. I was presented with all the information I needed in order to make an informed decision about my debt. I am very grateful to them for all their patience and work on my behalf. I highly recommend the firm.

I didn't anticipate finding myself in a position to request the service of Hoyes, Michalos & Associates. Initially I had difficulty finding a reputable agency who could assist me, not take advantage. I met with Brett who was of great help in navigating me through my options. I also met with Brennan who provided 2x clear, direct and short presentations to set me up with tools for success. I feel as though I'm in great hands.