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

My experience has been fantastic!! Billy is absolutely excellent from the very beginning in helping me to get my life back. He is very knowledge and made me feel like a huge weight has been lifted from my shoulders. Thank you Billy!!

I had the pleasure of working with Mark. I monopolized hours of his time asking questions and never felt rushed. I work in the law field and had a general understanding of the process but to say he was completely transparent is an understatement. I was very skeptical of dealing with a trustee as I have heard many horror stories. Mark made the process a complete breeze. I am so thankful for the fresh start . Thank you for everything.

I can't express enough how satisfied I am with the service provided by Hoyes, Michalos & Associates. From the initial consultation to the successful resolution of my financial situation, they guided me every step of the way with professionalism and care. The team was attentive, knowledgeable, and genuinely dedicated to helping me regain financial stability. Thanks to their expertise, I'm now on the path to a brighter financial future. I highly recommend Hoyes, Michalos & Associates to anyone in need of debt relief assistance.

During this unprecedented time of Covid lockdown, restrictions, and closures, many people and businesses found themselves caught in disastrous financial situations. I was one of those people. Never in my life could I have predicted the situation I found myself in.The stresses that Covid created for all was compounded by financial stress. The stress was truly unbearable, untenable, and surreal.

Once I had decided a course of action, I quickly researched and interviewed a number of Licensed Insolvency Trustees.

Nicholas To, of Hoyes, Micholas & Associates, was one of three trustees to be interviewed. I felt he was very professional. His amicable demeanor put me immediately at ease and his immediate, knowledgeable responses to my endless questions further confirmed that I had chosen well!

Kudos also are being sent to Heather Cudmore who held my hands during our counselling sessions. Thank you for the helpful knowledge and information that you gave in a such a supportive non-judgemental way.

I can see a future now....and for the first time in a couple of years,....it looks bright!

This business is very helpful they understood what I needed. Billy was so easy to work with answered all my questions and is very informative. They are very welcoming and friendly. They have locations that are very easy to find and are willing to work around your schedule they make life easy for you.

Hoyes, Michalos & Associates has been life-changing for me. Firstly, I would like to thank Benny Mendlowitz and Brennan Thompson for their amazing service, kindness and most importantly their understanding. This has been life-changing for me. I never thought there was a way out of the hole I was in. I had many mixed emotions and hesitations about consumer proposals, but Benny and Brennan clarified all my concerns. Their responses were detailed and timely, which make all the difference. I'm look forward to a new, debt-free chapter! Thank you ever so kindly again Benny and Brennan of Hoyes, Michalos & Associates! Take care and God Bless, Sharon Adams

This company helped me with a consumer proposal and then I ran into financial issues and they helped amend my proposal and now I don’t have to make anymore payments. Thank you so much for your help.

I was hopelessly in debt to the fact that I was having a hard time paying my rent. I expressed interest in getting help with this. Alison called me back and there was a huge load taken off my back. They took care of my debts and showed me how to keep out of the same traps that got me there. Jeff and Alison know their business and helped me get on the right path. Thank you both.

The level of service provided by this company is exceptional. Since the first communication I had with them, I was always treated with the utmost respect. With everyone I talked to (Brett & Maryia especially), I always felt they genuinely cared about my situation and wanted to help me sort it out. I highly recommend them to anyone who is struggling financially and need professional, humane counseling on what to do next. Thank you so much.

Sandra at Hoyes Michalos is such an amazing trustee. I recently got my proposal accepted and she was incredible throughout the process. Extremely professional and very responsive to any questions or concerns I had. She guided me throughout the entire process and explained things extremely well. She would reply quickly and helped me feel at ease. I would recommend Sandra 10 times out of 10!