Hoyes Michalos – Reviews and Testimonials

When I first approached bankruptcy I was nervous and unsure of what my options were. The pros at Hoyes, Michalos & associates were able provide me with every thing I needed to take the pressure of this difficult experience. Also their customer service was outstanding. Thanks!

I am so pleased to have found help with my finances. Hoyes, Micalos @Associates have been super helpful and I would and have recommended other folks to this site for help. Thanks so much. Patti has been so easy to work with especially with the stress I was going through.

Great help and a good group of people to work with.

A great experience from start to finish with Hoyes, Michalos and associates.

Whenever I had some questions or inquiries, I called and received a response within a reasonable time frame, if not immediately. I would highly suggest contacting the team at any of their locations if you are looking for expert advise on how to start the process of becoming debt free. We all have different financial situations, so give them a call to see how they could help you become debt free!

I will always refer anyone H.M.&A. My case was handled professionally and confidential. R.Martyn was my trustee and understood my situation better than i did and had me totally relieved with my resolution. G.G.

They are so helpful answering all of my questions. They respond typically within minutes after I reach out. I appreciate the great advice they give, I never one felt judged.

I had a consultation with another debt relief agency about filing for a consumer proposal and they asked me for 400.00 upfront which made me suspicious about them. I'm very intuitive and didn't have a good feeling about them so I called Hoyes, Michalos and Associates and as soon as I talked to Sandra Sykora and heard how knowledgeable, experienced, kind and understanding she was I knew I would use them to file my consumer proposal. They all are licensed insolvency trustees. She never asked me for any money and she also never heard of this other debt relief agency so the public needs to be aware of this. She has helped me tremendously through a difficult time in my life always making me feel at total ease and comfortable. I would highly recommend this company and especially Sandra Sykora. She is outstanding!!

Laura L

I got referred by my sister to Jason Q., he is amazing at what he does, he has put me at ease, thank you so much Jason, definitely will recommend to anyone looking for a consumer proposal.

They are very helpful and caring. I would recommend them highly

Excellent experience, incredible customer service and very understanding. Would highly recommend them for your needs.

After years of being offered an increase after increase on various credit cards and loans, I was left feeling puzzled. I would never miss my minimum payments, and they were always paid early. However, I was always carrying a balance. Higher than it should have been, in my opinion. I was feeling puzzled because the increases being offered to me over and over were much higher than I could ever afford to pay back. Life happens, and unexpected expenses would come around, whether it was higher than expected bills, my dogs vet appointments, education, etc. The banks and credit card companies were so eager to increase my limits every few months, even though I was always near the limit. This was so confusing to me. After years of constant increases and what have you, I reached my breaking point. This wasn't manageable for me anymore, and clearly, these companies were very much aware of this. They knew what my income was and obviously had access to all of my financial records and yet wanted me to borrow more continually. Why? After months of stress, anxiety and sleepless nights, I decided to do some research, which was when I came across Hoyes and Michalos. I called and was transferred over to Doug Hoyes himself. He was very friendly, empathetic, understanding and spoke my language. He was very well informed and made me feel a sense of calm. He gave me vast amounts of information and let me know where to go to educate myself so that I could make a decision that worked best for me. After doing so, I scheduled an appointment with Doug. I was greeted by very friendly faces in a judgement-free zone. Doug made me laugh and was extremely helpful. After submitting, I had many questions and sent many emails regarding updates. He would always respond within an hour and always remained very friendly and just as helpful as he was during our very first interaction. Doug managed to slash my debts by nearly 65%! For months, even years, I felt as though I was drowning financially, and now, I can manage. After finding out, I felt all of my anxiety slip away. I am now able to understand and manage my finances easily. Hoyes and Michalos genuinely care, and if you feel as though you are drowning and have reached a dead end, I urge you to make that call. You won't be disappointed. Also, for more information to help you better understand the options that are available to you, listen to Doug's podcast "Debt Free in 30." You will learn something!

excellent service, extremely understanding and helpful! would definitely recommend their services

Ive finally completed my consumer proposal and couldnt be happier. Rebecca was truly amazing through the entire process and i completely reccomend and suggest others to get on the path to better credit building! Thank you Rebecca, thank you Hoyes

I recently contacted Hoyes, Michalos & Assc. for guidance and was absolutely IMPRESSED with their professionlism, expertise, immediate responses. I HIGHLY recommend their services! Special thank you to Rebecca and Lorna for your immediate assistance!!!

$2,340 vs $72,125 - What would you rather pay?!

My debt was $72,125.

After I declared bankrucpy, I had to pay $65 every week for nine months. After that, I was discharged and debt free!

$2,340 vs $72,125!

They not only saved me $70,000, they saved me from the stress, anxeity that came along with it.

And, I have just qualified for a new credit card!

FRESH START!

Thanks Rebecca, and the Windsor Branch!

Your services were more effective in curing my financial stress than a Clozapine, followed by a Joint, chased with a Beer ;)

To say I had a positive experience with Hoyes and Michalos is an understatement. I dealt with Rebecca directly and I can say that she was absolutely amazing. All staff (including Joel) are very knowledgeable, patient and kind. Even your first contact with reception over the phone is extremely
positive and they are ready and willing to help you!

Throughout the entire process so far, I have felt like my own Hoyes family has been helping me through this very difficult time. Thank you all so much for your kindness. If you're having a difficult time organizing your finances, definitely give them a call. You will be happy you did!

Meighen

I dealt with Ian Martin, he’s was unbelievable to deal with and completely guided me with this process. I am very thankful for his assistance.

Unfortunately life events happen, which lead up to myself filing a consumer proposal.

They were very knowledgeable and helpful. Everyone seems willing to help. Sometimes I hesitated to call in because I’m dealing with very sensitive information and didn’t feel supported with respect to having changes on my account.

I had a wonderful experience with Meg, and Ted. They went over and above to make my stressful debt manageable. They really care and took good care of me and my finances.

Hoyes, Michalos & Associates helped me immensely to get my life back on track, even through the pandemic. Professional, friendly and knowledgeable. Thank you for helping my family.