Hoyes Michalos – Reviews and Testimonials

Best thing I have ever done was make the call to Hoyes, Michaelis and associates. The feelings of anxiety and embarrassment were quickly washed away from the moment I spoke to Howard. He was full of knowledge and empathy. I was thoroughly informed as to my options and made the best decision with guidance that I trusted completely. My follow up with Patricia was so helpful ..... It gave me hope for my financial future. I cannot recommend this company enough if one is considering doing a bankruptcy or proposal.

Contacted Hoyes in March 2020.
Assigned to Jason Quinney.
Decided to continue with a consumer proposal, filed March 31.
All correspondence, viewing/signing documents etc was via online/phone which was great, as I reside north of Brampton.
Very convenient.
The Brampton office called a creditor on my behalf when I was unable to provide the details needed to please the creditor at the time of their call.
A service I greatly appreciated.
I anticipated a longer time frame with the COVID 19 shut down, however I have completed my 1st debt counselling session with Jason.
He has provided me with beneficial strategies moving forward.
Most of which are common sense, budgeting etc, however I obviously required a reminder OR I wouldn't have had to call Hoyes in the first place.
I received correspondence today that my consumer proposal was accepted by my creditors. Woohoo!
A large weight has been lifted.
Especially at this unknown time.
Thank you Hoyes (and Jason), a job well done. 👍

I am Mr. Mackay Nevsky, a private loan lender. I give out loan at 2% interest rate. Both long and short term. I give out loan from $4,000USD to $25,000,000.00 USD. Contact me via this email: ( mackay_mortgagefirm@aol.com )

Company Email: ( mackay_mortgagefirm@aol.com )
Company Telegram link: https://t.me/mackay_mortgagefirm
Company WhatsApp: https://wa.me/+14809317382

Maureen and her team were fantastic, and made the process completely painless. All my questions were answered quickly. What a relief to know that I had someone in my corner fighting for me.

Rebecca Martyn is wonderful. She is a very caring, sensitive and knowledgeable person. She always responds quickly and effectively to any of your questions or concerns.
I highly recommend her for your financial matters.

Hoyes, Michalos & Associates helped me navigate my personal finances in a way the left me feeling in control and like I made the best decision for me. The process was quick and easy and they were always available for the many questions I had along the way.
A special thank you to Jason for making this process as uncomplicated as possible.

Before anything I would say when taking steps to rebuild your credit and getting the right help, I would say do your research on who specializes the best in these fields. I did mines and ended up on this firm at Hoyes, Michalos & Associates. The person that has taken charge in my case is Jason. They go over your case and gets your information to provide you the best option possible in which to go.

I'm not the type to write reviews but with something very important for my life such as this , its only right I do a review to help future clients in feeling comfortable in making the best choice.
This is my first time doing A consumer proposal like this and let me tell you its the best decision I could've made for myself because I also have someone like Jason behind me taking charge and making sure to answer any questions I may have and be along side me through the process.

Places like cactus deb relief are a bunch of scam artist because they ask you to pay them $1300 in 2 payments and they don't even do the work. I almost fell for it but something didn't feel right and didn't go through it. Just a heads up. legit places like hoyes, Michalos & associates don't ask for any payments because its already taken from your consumer proposal assessment with the other creditors so do your homework.

I did my research and this is the best choice I made for myself and for future financial freedom.

good luck to everyone on making the best choices you need to do to get back on track and learn from your past mistakes so you don't repeat them in the future.

I filed consumer proposal with them in November . They helped me a lot in restarting my life back to normal which was overwhelmed with debts and interest . Their great services and help gave me fresh start and hope for better days . Thank you to all the team and highly recommend them if someone is looking for help with Debt burdens.

Very nice company Joel was very helpful with my proposal and made easy and simple to understand everything. Recommend for anybody should use them

From the very first time I spoke to Alison I knew I had made the right connection during a time that was extremely stressful and embarrassing for me. Alison gave me a detailed description of the options available to me and it was obvious that bankruptcy was the only option that made sense for my situation. My initial appointment was set up quickly and the rest is history as they say. The whole process was painless and I was put at ease immediately . The relief I felt was wonderful. Any time I had a question all I had to do was send an email and I quickly received a response/answer. Thank you Alison...and the Hoyes, Michalos team!

Jason was very informative and organized. He helped me get a better understanding with what I was getting done and I was able to contact when needed and he responded in a timely manner. I would recommend to anyone.

Ianina was just amazing. Very helpful and understanding. This has been a very trying time for me and she genuinely cared about my situation and has helped me through this transition of my life. Amber called me today and was friendly, helpful, informative and non judgmental. I am very happy with the service Hoyes, Michalos & Associates have done for my future and my kids.

Phenomenal experience. Authoritative and helpful, which is exactly what you'd want in such a service.

I was in over my head with about 25k of debt paying around $500-600/month on interest alone with no way to pay down the principal. I called Jason and he answered all of my questions and took the time to honestly explain the process of getting a consumer proposal. Now I owe less than half of the original debt with small monthly affordable payments and I can finally look forward to not only paying off my debt but actually having some savings for once. Jason and the team have been amazing and any time I have a question I just send him a quick email and he always responds and is very helpful. Highly recommend!!

My experience was great. Jason was very informative and knowledgeable about the situation. He went through the process very thoroughly and carefully. I would recommend anyone who wants to do a proposal to Jason at Hours, Michalos & Associates.

Great staff, give real help, work with you through your finances situation and give you the best advice to make your life back in the good track. Thanks so much for your help

Maureen has been fabulous in helping us to complete our consumer proposal. She has a wealth of information and makes it very easy to understand

I was living pay cheque to pay cheque and struggling. The stress I was dealing with was affecting many aspects of my life in a negative way, I finally turned to Hoyes , Michalos & associates. This was the best decision I have ever made, Jeff and Alison are amazing people to deal with, they are so understanding they explain the process in a way that I completely understood, I wish I had done this year's ago, my life has changed so much for the positive and I'm stress free. I highly recommend Hoyes , Michalos and associates, if you are struggling like i was PLEASE call them because you WILL get your life back!!

Couldn't have asked for a more seamless experience in handling my Consumer Proposal! Thank you to Ted and his team who were always very quick to respond and answered questions thoroughly and without judgement. Highly recommend their services.

Maureen we appreciate your patience, attention and kindness in the services provided in a very professional manner.
Ausencio and Elizabeth