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

I was a client of Hoyes & Michalos about 5 years ago and I finished my consumer proposal about a year ago. It was the absolute best decision I have ever made. This program saved my life. it gave me back my marriage, my friendships and my relationships with my family also. I appreciate all that they did for me, they gave me a voice to explain to others that there is hope out there. They don't have to suffer alone with all their debt. I have an excellent credit rating now. I currently owe $350. on my credit card from Xmas that I will pay off in full this month. This program literally changed my life in every respect. I now live on my budget that came from Hoyes & Michalos. I will never go back into debt again. I can't thank this company enough for all they did and a special thank you to Joel Sandwith for all he did and the little hug he gave me afterwards sealed the deal. Many many thanks. Sincerely Shel :)

Recently had some major issues with CRA that really impacted my ability to continue paying my bills. After months of trying to resolve them without any progress I decided to reach out to Hoyes, Michalos & Associates for some advice. Honestly, going through this is very stressful, but I was fortunate enough to meet Benny Mendlowitz at Hoyes who took me through my options and what Hoyes can do to help me to resolve my difficult financial circumstances. From the very beginning Benny made me feel comfortable and listened to my situation, provided me with options and solutions that where realistic to my situation and never judged my situation. I'm so relieved that the consumer proposal was filed and accepted and would recommend Benny & Hoyes to anyone who is in a tough financial situation. They are professional, experienced and look out for their clients which is really important.

I am so thankful to Hoyes, Michalos & Associates Inc, for all their help in getting my finances back on track. Jason was great and he treated me with so much respect. He never made me feel bad about my situation. I highly recommend contacting him for financial help. They helped me regain my life back and I am so happy to be debt free again.

very helpful and answered and questions that needed to be answered. Very friendly and polite but right to the point. I would recommend hoyes to anyone

Hoyes.Michalos very professional and provide great service. They are very flexible, reliable and advance you can communicate by phone, email or social media. Maureen is very helpful and she knows what she is doing. She is very professional trustee (LIT), knowledgeable and you can ask her tons of questions regarding proposals she will provide you all the answer. Overall Hoyes teams is great and I give them 7 stars ⭐️⭐️⭐️⭐️⭐️⭐️⭐️

Fantastic service from Mark at Hoyes in Barrie. He made the process so easy to understand and made me feel comfortable and confident. He provided lots of education throughout the process and helped me feel in control of my finances. Highly recommend.

Douglas Hoyes is a consummate professional and from the first time I spoke to him to the very end his service, ethics, empathy and understanding was nothing short of exceptional.

It took me a while to get to the point to ask for help. My situation was complex and far from the norm. Doug took the time to understand the details and truly worked hard to get me through this.

His team was available and detail oriented. Nothing fell through the cracks.

Before starting our relationship I did interview other providers. Doug stood out and it was an easy choice.

I highly recommend you trust your affairs to this organization.

I found Hoyes Michalos & Associates through a google search about consumer proposals. I am glad I made the right choice in calling their office. Rebecca Martyn was very helpful explaining the process and what my other options were regarding my situation. I chose the best fit for my family and she made the experience seamless and stress free. For years I was overwhelmed with debt and collection calls. I just wish I made the call sooner.

I am extremely grateful to Hoyes Michalos, especially Billy, for their outstanding support during my consumer proposal process. From the very first consultation, everything was explained clearly, and I felt reassured knowing I was in good hands.

Billy was always professional, patient, and ready to answer all my questions. The process was smooth, and I received all the necessary guidance every step of the way. I highly recommend Hoyes Michalos to anyone facing financial difficulties. Their expertise and dedication truly make a difference!

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.