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

It was a very easy process thanks to Jason and now i can start fresh and get my finances back on track. I recommend Hoyes, Michalos to anyone having financial difficulty and they will direct you to the best solution for your needs .

I signed up for a consumer proposal back in 2017 and I finished it Nov. 2021, a year early. The staff there was always helpful, knowledgeable and quick to get back to you. If your struggling and need a place, I suggest Hoyes, Michalos and Associates.

I received tremendous help from Jennifer Kwon.
For a long time, I was overwhelmed with anxiety about my financial situation and my future, and honestly, I was going through a period of depression.
Through our conversations, I never felt judged or pressured.
Instead, Jennifer took the time to truly listen to my situation and helped me see realistic and practical options.
Hearing that there were still ways forward gave me a sense of relief I hadn’t felt in a long time, and for the first time in a while, I began to feel hope again.
Knowing that I didn’t have to face everything alone made a huge difference.
I now feel encouraged and motivated to slowly rebuild my life with a clearer direction.
I would sincerely recommend Jennifer Kwon to anyone who is feeling lost or overwhelmed and needs guidance during a difficult time.

My husband and I really got ourselves into a mess while building our home. If it weren't for Jeff and his team, I'm not sure where we would be right now. So, thank you so much for helping us out and being so professional and courteous with us! Highly recommend.

I would not hesitate to recommend Hoyes Michaios , from personal to professional as they come , Very satisfying and a huge weight off my shoulders

My experience has been wonderful. Kristen has been incredible to deal with! It was a very tough decision for me to file for a consumer proposal, but she made it an easy process and felt more than a friend than anything. She made me comfortable with my decision, and was extremely supportive of my emotions surrounding it. I can't say enough great things about them. Truly just awesome people to deal with. 🥰

Good professional work and service. And follow up too.

I have had the pleasure of having Kristen Karl work with me during the whole process of debt consolidation. I was a nervous wreck not really knowing how to start again, Kristen made me feel at ease throughout and ensure that I was informed of every details of every steps that needs to be taken. She even went beyond by helping me check my credit with me and made sure that everything is what it’s supposed be and helped me understand and start on how to do a better budgeting to prevent myself from having the same issue in the future. I 1000% recommend her and HOYES & MICHALOS to anyone who needs help get out of debt.

Hoyes,Michalos & Associates has helped me during rough times. They make things as easy as possible according to your situation. Always friendly and very responsive to any questions , also helpful in any problems that may arise. I would and have recommended them many times. .

Brian and Courtney did an amazing job answering all my questions and laying out my options to get me where I am now - debt free and rebuilding my credit. I will tell everyone I know that has financial trouble to come speak to your team. Words cannot express my appreciation for their assistance getting me out of the hole I found myself in.