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

After years of feeling beaten down and taken advantage of I finally got a desperately needed break. Scott took so much weight off my shoulders I feel like I might actually have a shot at recovering my life now. He’s refreshingly honest and truly helpful. I couldn’t be more grateful and strongly recommend his services.

Doug and Scott have been nothing but informative, helpful and made the entire Consumer Proposal process stress-free. For individuals who are unaware that this is an option for them due to unfortunate economic circumstances, this was a lifeline for me and a real path towards my own financial freedom and ability to build personal wealth. I'd highly recommend anyone who is looking to understand what options are available to them to get out of debt, to explore a Consumer Proposal and do your due diligence to determine if this is the right option for you. There's no shame is educating yourself or asking for assistance. After researching a few firms, I chose Hoyes, Michalos & Associates for their expertise, professionalism and informative approach. Thank-you Doug and Scott!

Brett has been wonderful to work with. He really put me at ease about everything. I’d highly recommend!!

My experience, with Hoyes,Michalos & Associates has be exceptional. I haven't felt this free in a while. It was an instant relief when I got the proposal done. I had a great experience, with Hoyes,Michalos & Associates they were very knowledgably and helped me find the right solution for me. They explained every detail and gave helpful tips. I'm super grateful for all their help. I'm ready to say I'm free. highly recommend!!

Hoyes is amazing, my trustee, Jason Quinney is more than helpful. He's given me tips on how to save money, what to avoid when trying to build my credit score. This pandemic ruined my life and having lost everything. Jason told me what was best. Thanks to him I can get my life in order soon.

When my wife and I found ourselves in a very difficult position, Mark was able to outline our best options and get us on track to recovery. Our consumer proposal was executed quickly and successfully and our dignity was kept intact throughout the process. It's incredible how much stress was taken from our lives by making the simple decision to set up an appointment here. Once again, can't say enough about Mark!

I went in not knowing exactly what I was going to do. Joel went through all my options, and explained what they would all entail. They were very understanding, and I didn't feel judged at all for being in my predicament. I feel like a weight has been lifted off my shoulders and I can breathe again. Thank you Joel & Heather!

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

I would highly recommend Hoyes Michalas. They always responded to my inquiries in a timely manner, I never felt rushed and they went out of their way to explain all of my options. They provided me with excellent advice and an option which allowed me to get back on track financially and provide security for my family in the long term.

I finally have been given a fresh start! Its rough few years financially but Jason made me comfortable and knowledgeable enough to take the next step to get back on track. I have been able to create a budget as well as learn saving and credit rebuild tips. Highly recommend