Hoyes, Michalos & Associates Inc.
Licensed Insolvency Trustees for Consumer Proposal,
Personal Bankruptcy and Debt Relief in Ontario

I was very hesitant to contact any company to see how they could help me out with my situation. Scott was very caring and understood the stress levels I had. So much stress in now reduced! If you are struggling in anyway financially, it's merely a phone call and discussion, no pressure. I highly recommend this company!

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!

I want to thank all employees in Hoyes, Michalos & Associates for their time and efforts for making the debt relief for me smooth, I especially thank Benny Mendlowitz as our trustee who was very friendly and understanding and of course expert throughout the whole process until the end and Hereby I would recommend everybody to chose them as the best trustee who are amazing. The team were very helpful and educated. They are just simply amazing and expert and understanding. If you want help on financial issues, they are the best ever you can trust them hundred percent and I thank again Benny and his team for all his efforts.

I highly recommend anyone looking for help go pay off debts to contact Hoyes, Michalos & Associates! They are amazingly kind and fast to respond and very thoughtful. They really do care and make sure you understand exactly what is going on. 10/10

I had Rebecca Martyn working to help me with my financial situation and she was amazing. She was kind and understanding and really helped me feel at ease with my situation.

Going to Hoyes, Michalos & Associates Inc. is the best choice that I have ever made. They were very courteous and helpful to my situation. They answered and addressed all my questions and concerns I had about my situation. I was recommended to have Hoyes, Michalos & Associates Inc. help me out and I am really glad I made the choice.

Easy to work with. Everything is explained thoroughly. You can call or email and get answers to all your questions.

I am overwhelmed with gratitude for Rebecca Martyn and administrative staff at HMA, made me feel at ease with the process of resolving my financial issues.
She explained everything so I can understand step by step I would recommend Hoyes, Michalos & Associates 100%.
Thank you for everything!!.

When I finally had enough and had tried everything, I finally made the call. I was terrified and had so many questions and was so overwhelmed, full of guilt and shame. And let me tell you it was the best choice I had made in a long time. I was helped right away by Scott Terrio and he was fantastic! Walked me through everything and answered all my questions. Within a couple of days we had the ball rolling.
It was really nice to have some in my corner.
Ashley

Mark is amazing, very compassionate & extremely helpful. Let’s you know your not alone in this journey !!
The company gives awesome tips on how to budget in the credit counseling.
I highly recommend them