Hoyes Michalos – Reviews and Testimonials

Experts, Caring and very responsible team.
Scott was a great help and approachable.always. They are concern about our future also,
Wish the... Read MoreExperts, Caring and very responsible team.
Scott was a great help and approachable.always. They are concern about our future also,
Wish the team every success. Read Less

Efficient, fast, they helped my son change his life. They know their stuff, very professional!

They have been so helpful! They make a super stressful situation so much earlier.

The counsellors truly care about the well being of their clients and go above and beyond to help with understanding... Read MoreThe counsellors truly care about the well being of their clients and go above and beyond to help with understanding your options and situation. they help you take control of your finances and put you on the path towards success. Read Less

the employee in this company are very friendly and very respectful and the do want to help you in any... Read Morethe employee in this company are very friendly and very respectful and the do want to help you in any way they can thank you very much Read Less

Working with Maureen was a blessing. She was honest, upfront and sincere and was able to set my mind at... Read MoreWorking with Maureen was a blessing. She was honest, upfront and sincere and was able to set my mind at ease. Easy to talk to and I couldn't ask for a better experience with such a sensitive matter. Truly appreciate the help. I would recommend her to anyone any day of the week. Thank you Maureen! Read Less

I was terrified to deal with my debt on my own, I had no idea where to begin. Sandra was... Read MoreI was terrified to deal with my debt on my own, I had no idea where to begin. Sandra was there for me every step of the way, with immediate responses to my questions and helped clarify every detail! Knowing that I could contact her at any time with any question helped my anxiety and gave me faith in the process. Today I am proud to say I am fully debt free and it feels surreal. I found the counseling sessions to be extremely informative and will carry this knowledge with me forever. Thanks to everyone on the team ! Read Less

I was hopelessly in debt to the fact that I was having a hard time paying my rent. I expressed... Read MoreI was hopelessly in debt to the fact that I was having a hard time paying my rent. I expressed interest in getting help with this. Alison called me back and there was a huge load taken off my back. They took care of my debts and showed me how to keep out of the same traps that got me there. Jeff and Alison know their business and helped me get on the right path. Thank you both. Read Less

They are great first time and hopefully last time doing a proposal. They are fast and professional and put you... Read MoreThey are great first time and hopefully last time doing a proposal. They are fast and professional and put you at ease. Kirsten was amazing with the counselling sessions great advice and tools that will always use. Thank you again Read Less

Professional expertise from real people like Scott Terrio this is what you get at Hoyes, Michalos & Associates. Transparent, reliable,... Read MoreProfessional expertise from real people like Scott Terrio this is what you get at Hoyes, Michalos & Associates. Transparent, reliable, no fine print, just effectively delivered results. If that is what you are looking for, don't wait, contact them now. Read Less

The staff were very helpful and supportive to me. I was never judged and they helped me every step... Read MoreThe staff were very helpful and supportive to me. I was never judged and they helped me every step of the way. Read Less

  Totally recommended! Excelent service.

After I was diagnosed with MS, my wife and I found ourselves in real financial difficulties. The stress of our... Read MoreAfter I was diagnosed with MS, my wife and I found ourselves in real financial difficulties. The stress of our situation only made things worse for my health, and we felt like we were falling down a hole with no way to get out. Thankfully my wife found Hoyes, Michalos & Associates, because they have been incredible. Every interaction with them felt like a step being built to get us out of the hole. They never talked down to us, or made us feel ashamed. They treated us like people who they wanted to help, and explained everything so we could understand our options. We are now well on our way out of the hole, and we couldn’t be happier! Thank you Jennifer, Heather, Meg, and Margaret! Read Less

At such a difficult life transition, Hoyes Michalos and Associates helped to give me a fresh start. The level... Read MoreAt such a difficult life transition, Hoyes Michalos and Associates helped to give me a fresh start. The level of stress I was dealing with has been alleviated tremendously and one year in to the proposal I can see the benefits of the program and am so happy for their guidance. Read Less

Benny and his team did a Awesome work on my proposal I am Greatful for your support. And now I'm... Read MoreBenny and his team did a Awesome work on my proposal I am Greatful for your support. And now I'm stress free I encourage anyone to seek help if you are financial trouble with your debt there's nothing to lose and remember there's always hope once again Thank you so much Hoyes Michalos & Associates Inc. Read Less

When I first went in to talk to a trustee about creating a consumer proposal I was nervous, but... Read MoreWhen I first went in to talk to a trustee about creating a consumer proposal I was nervous, but they made it so clear and easy to understand. There was no point in the process where I felt worried, confused or out of the loop. Great service, great people, one of the best financial decisions I've ever made. Read Less

They made the whole process simple and were really friendly

Are you trying to make ends meet but you feel like you’re going in circles?
Getting calls and letters... Read MoreAre you trying to make ends meet but you feel like you’re going in circles?
Getting calls and letters from collection agencies?
Worried about your hard earned wages being garnished?
That was me at one point in my life.
Contacting Michalos & Associates was the best thing I could have ever done! Although I was VERY hesitant they never gave up on me.
They made sure I received a thorough understanding of my situation and what my options were every step of the way.
I would like to thank you guys once again for giving me that extra space I needed to breathe.
It is never too late to reinvent yourself first start over. Never forget to explore all your options and consider these guys as a trusted source for information. Read Less

Nicolas and Diana were awesome right from the beginning of my journey.
They are very professional and non-judgmental!

I began with Nicolas... Read MoreNicolas and Diana were awesome right from the beginning of my journey.
They are very professional and non-judgmental!

I began with Nicolas who was over the top with explaining and putting me at ease.

Diana went up and above her duties for me.
My stress level actually disappeared!
They really care!

If anyone has to go this route, I highly recommend HOYES, MICHALOS & ASSOCIATES! Read Less

One of the easiest and painless experiences ever! ... Billy explained everything very well, answered the questions I had, and... Read MoreOne of the easiest and painless experiences ever! ... Billy explained everything very well, answered the questions I had, and has answered any questions I've had since. I feared it would be scary and take so long, but HM&A made it super duper easy, and stress free. HIGHLY recommend these lads for anyone considering Consumer Proposal. I have no regrets at all with my choice, best decision all around I've made in regards to my financial situation. Read Less