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

Are you trying to make ends meet but you feel like you’re going in circles?
Getting calls and letters from collection agencies?
Worried about your hard earned wages being garnished?
That was me at one point in my life.
Contacting Michalos & Associates was the best thing I could have ever done! Although I was VERY hesitant they never gave up on me.
They made sure I received a thorough understanding of my situation and what my options were every step of the way.
I would like to thank you guys once again for giving me that extra space I needed to breathe.
It is never too late to reinvent yourself first start over. Never forget to explore all your options and consider these guys as a trusted source for information.

Great experience working with Joel and team. Joel was extremely knowledgeable, quick to act, and informative. I was hesitant about exploring my financial options and I am glad that I found this team. They are open to answering any questions, the process filing a consumer proposal was a lot easier than I thought it would be and I'm a lot happier not having to deal with creditors anymore.

I am so grateful for all of the help I received with Hoye, Michalos & Associates- Jamie made me feel safe, kind and grateful and helped me and my sister to get so much help to move on forward and learn how to control my money in so many ways - Thank you so much!! words cannot describe how much help I received!!

I highly recommend Hoyes, Michalos & Associates. The whole process was much easier than I expected and they make you feel very comfortable. Mark was very pleasant to work with and all the staff and reception are very pleasant to speak with.

Very professional, helpful and kind and very understanding.
The knowledge given and means to help rebuild your financial life is second to none .
Highly recommended!

Hoyes, Michalos & associates were very helpful. They provided me a solution to get out of my debt with a very reasonable payments. They also gave me great advice on rebuilding credit and sent me all the info I needed. They went above and beyond to make sure my experience was easy going. I would definitely recommend them to any one that needs help with their debt.

AMAZING AMAZING AMAZING so very happy with Hoyes, Michalos and our Mark our advisor! So professional and so very very helpful!! Thank you Mark for al of your help!

I want to express my gratitude to Benny for his invaluable assistance throughout this process. He patiently guided me through each step, explaining everything clearly and addressing all my concerns. Thanks to his support, the process was smooth and efficient. Benny's patience, empathy, and unwavering support made navigating this complex journey much easier for me. I highly recommend Hoyes, Michalos & Associates for their excellent service!

This place is amazing! They help you with your debt and treat you with respect. It’s stressful dealing with debt, but they make you feel at ease and help you solve your debt in a manageable way. Can’t recommend them enough.

The Team at Hoyes, Michalos very helpful and it has been a pleasure working with them. Scott has been extremely helpful and clear and explained everything that I needed to know.