Hoyes Michalos – Reviews and Testimonials

Diana and Nicholas were very helpful while helping me file for Consumer Proposal. They answered all my questions with respect, even repeat questions, and this made me feel fully supported throughout the process. Thank you so much for kickstarting my financial literacy with useful information. I feel confident enough to make better choices starting now.

We were drowning in debt, many sleepless nights and so much stress. From the first contact, Rebecca was incredibly professional, non judgmental and extremely kind. All the staff at HOYES are so pleasant and helpful. The process was so easy, all done online. Cannot express our gratitude enough to everyone there for making our lives so much easier. Highly recommend them to anyone having financial difficulties, they have solutions you probably didn’t even consider. Finally we feel like we can breathe again. Thank you so much

CRmart
2/20/2026

I have nothing but good things to say about this company. At a difficult time, they helped me through. Informing me of my options and clarifying any questions, concerns I had. They didn't judge me or my situation. They treated me with respect. Their front end staff is polite and helpful. If finding yourself in a position were you would need a company like this, I highly recommend them.

I reached out to the branch 7 years after I concluded my proposal with them. Krista was amazing at getting me the information I needed. Her response was immediate and incredibly helpful. I would not hesitate to recommend them to anyone who is in need of their services.
Thank you!!!

Fantastic service from Mark at Hoyes in Barrie. He made the process so easy to understand and made me feel comfortable and confident. He provided lots of education throughout the process and helped me feel in control of my finances. Highly recommend.

Amazing people kind friendly caring people never make you feel bad for the situation I was in walked me threw everything in great details and are there for anything pick up the phone and they are there i recommend them to everyone that needs help

The whole process of a credit proposal was scary to me which is why I took such a long time to start it. However once I did I was amazed at how easy the process was and I felt so comfortable and appreciative of all the help from Hoyes, Michalos & Associates. Beau was wonderful to work with in completing my credit counselling sessions. Very easy to speak with, and just all around a genuine nice guy who is extremely knowledgeable! If your ever in need of their services, give them a call. You definitely won't regret it!

My husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized we could not manage our level of debt. Even though we are of the generation taught to take care of our responsibilities, we could not.
We contacted Hoyes, Michalos (I don't remember who recommended them).
Everyone was pleasant, helpful, knowledgeable and capable. They made us feel comfortable with no sense of recrimination and helped us efficiently. Excellent service and care.
We have finished the five year term and realized we needed to improve our credit rating. We called Hoyes, Michalos again and they were able to help again.
We are grateful for the emotional care, knowledge and expertise. I would recommend them to anyone.

My experience with Hoyes, Michalos has been nothing short of amazing. With specific thanks to Jason Quinney. Every step has been explained perfectly, leaving any questions I may have had answered before I asked. Everything has been straightforward and easy to understand. I highly recommend Hoyes, Michalos & Associates. Thank you so much.

Mark was absolutely amazing. Bankruptcy is a very intimidating process. He helped me every step of the way. Very quick same day response time, and very clear about my options. Excellent overall experience. Many firms want to subject you to an 'assembly line' style interaction. In contrast, Mark took the time to thoroughly understand the dynamics of my personal circumstances and delivered remarkable individualized service. My situation required plenty of patience. Mark was persistent and never gave up on me. I have appreciated his advice and filing for bankruptcy has helped me with my anxiety and a fresh financial start. Thank you Mark, for your unwavering dedication and most of all compassion.
April C.

I am so thankful to have found a solution to my debt problems. Jason has been amazing, was ready to help from the moment I called, he's great with communicating and always responsive when I have a question. Thank you for your help and I look forward to my debt free future!

They are truly a caring firm. Both professional and compassionate. Thank you for understanding my concerns and needs. I'm forever greatful. Sincerely Andy Crawley

I had a meeting with William (Billy), He was a great support and answered my worries without judging me. I love the help and support. I will not say definitely going back there again, because I'm not going to go through this again.

Scott and Charlie were incredibly helpful, understanding, and reassuring. If you're scared or worried about having to file for bankruptcy, these guys helped me every step of the way, including after the filing! Very quick replies, very efficient service. Highly recommend!

Very thorough and responsive. They helped me figure out the best course of action and explained everything in detail.

Compared to other firms I called, Hoyes was able to get me the best proposal based on my financial situation. Rebecca is a pleasure to work with - she is empathetic and compassionate, knowledgeable, and she got all the paperwork done and submitted rather quickly. I would highly recommend Hoyes!

We received exceptional service from the staff at Hoyes and Michalos Brampton location. Jason gave excellent advice and truly looks out for your best interest. He is professional and extremely knowledgeable. He addressed all our questions promptly and explained everything in detail. We would highly recommend Jason and his team based on our positive experience!

Maureen Parent helped me to file a consumer proposal with approval. She was able to put me at ease is will the stress by walking me through step by step from start to finish. I am now on a path to becoming debt free. Thank you!

I chatted to both Peter and Billy and they were awesome and very helpful.

I'm very grateful they were able to help me with all the debts I had, especially Brett and Janette!!! Incredibly patient, friendly and understanding. I would definitely recommend this company for your financial needs!