Hoyes Michalos – Reviews and Testimonials

This was a very positive experience for me. I enjoyed working with everyone who helped me, and treated me in a professional manner.

Everyone i have spoken to has been absolutely amazing. This has been a very effortless and stress free process. Jamie has gone above and beyond making sure I am comfortable and understand absolutely everything.
10/10 would recommend to everyone

This place saved my life. Filed for bankruptcy and just finished my payments. I feel so amazing and it's all because of Hoyes & Michalos. Kristen Kral is phenomenal. If you need any help at all, go see Kristen!!!

Hoyes, Michalos & Associates have saved me from a dire situation I never though I could get out of. Their associate Jason was very efficient and polite in walking me through my options and helping me understand my finances. Big thanks to the team Hoyes, Michalos & Associates for giving me peace of mind and taking a huge weight off of my shoulders.

The best decision I ever made was contacting them! Brett Nicholson was amazing and took the time to answer all my questions in person and over email. He helped me every step of the way and made the process easy. Mariya was also great and very helpful! My experience overall was amazing and I would highly recommend them. Forget any other company, you need to contact Hoyes!!!!

Brian has been very helpful and patient with his service. He took the time to answer all questions and concerns I had when making such a huge step to move forward financially, he gave reassurance when necessary. I recommend Brian for any financial troubles you may be having.

Doug was great a total professional who gave me great advice I highly recommend him and this company I tried others not as good as these guys trust me go with them you won’t regret it thanks again Doug you saved me

Amazing service, couldn't be happier! These guys know exactly what they are doing.

I lost my job due to Covid and had to make the difficult decision to seek help. I was stressed because I thought they would judge me, but everyone I dealt with from day 1 was kind, helpful and understanding and never made me feel bad in the least. I was able to talk to someone who had been through it and that helped so much. They also had some great resources available to help with budgets and financial planning and avoiding pitfalls.

Nicolas To, in the Markham office, was great in assisting me through my bankruptcy. He was extremely helpful and a true professional. He also helped in making me realize that when life throws you a curve ball you cannot handle financially, there's nothing to be ashamed of. Looking forward to my fresh start. Thanks again.

  I am so grateful for the kindness and non-judgmental help I received from Jason. It took 5 yrs for me to use up my little savings and go into debt to help my children through a rough financial time. I was so stressed and overwhelmed when Jason very calmly led me through the process. I highly recommend this company to anyone including retirees like myself who emotionally and financially got swallowed up in this challenging economy. Thank you so much for helping me!

Honestly, Hoyes & Michalos turned a very stressful situation for me into a very manageable situation. I felt very empowered leaving the office the first time, feeling like I could really do something about my debt. I feel more educated now so that I will be able to make better decisions in the future. I feel like I've been given a second chance. Thank you so much for your kindness and professionalism when helping me through a difficult time in my life. There are a lot of scams and people who are looking to take advantage of those who are in debt. I highly recommend this company because they will answer all your questions and be with you every step of the way, and will not pressure you into anything. Thank you!

Excellent service with easy step by step instructions; all details thoroughly explained & all questions completely answered. Very helpful advice to help us move forward with confidence.

I was a client of Hoyes & Michalos about 5 years ago and I finished my consumer proposal about a year ago. It was the absolute best decision I have ever made. This program saved my life. it gave me back my marriage, my friendships and my relationships with my family also. I appreciate all that they did for me, they gave me a voice to explain to others that there is hope out there. They don't have to suffer alone with all their debt. I have an excellent credit rating now. I currently owe $350. on my credit card from Xmas that I will pay off in full this month. This program literally changed my life in every respect. I now live on my budget that came from Hoyes & Michalos. I will never go back into debt again. I can't thank this company enough for all they did and a special thank you to Joel Sandwith for all he did and the little hug he gave me afterwards sealed the deal. Many many thanks. Sincerely Shel 🙂

My experience with Hoyes has been very supportive from start to finish. From my initial questions about bankruptcy through to filing and now ongoing monthly budget reviews, everything has been explained clearly and in a way that made a stressful process much easier to understand.
At each stage, they took the time to answer my questions thoroughly and never made me feel rushed or overwhelmed. The guidance provided helped me understand my options, responsibilities, and what to expect moving forward.
The recent meeting to review my monthly expenses and discuss credit rebuilding really helped connect everything together and gave me a clearer path forward. I appreciate the professionalism, patience, and consistency throughout the entire process.

Between God and I, and of the truth, I have referred more than 8 persons within a space of 4 weeks to my legit and trusted Account Manager, Mrs. Allen martha she is the only account manager to ever pay me my profit after my first 7days trade of $ 1000 that I make a successful withdrawal of $ 19,750. I vowed to testify of her honesty to the public and that is what i have been doing because she deserves more than it. I was bankrupted and left with nothing by fake experts and she came to my rescue. It's already 16 weeks I have been trading with her platform and profit payout is always fast at once click. Now I am financially balanced and my bank account is on the rise. God bless you ma, Contact her for genuinely trading and fast profit payout ..
Email: allenmartha897@gmail.com
Whatsapp: +1 (302) 219-6094

One 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.

All I want to say is Brett was great and Hoyes, Michalos was great. They provided me my options and the likely hood of proposal. All went great just like they said. If you need help just ask. We are in different times. Everyone has a different situation and needs help like Hoyes and Michalos.

I found your name on the list for help with my financial situation so made an appointment..everything went very smoothly and the explanation of details were very clear..so moving forward with my first sit down was a very positive experience and looking forward to my last visit about credit recovery..I am very happy with Maureen and looking forward to my last appointment...will be very happy to recommend your company moving forward..thank you leslie usher

I would recommend Hoyes, Michalos & Associates to anyone looking for help, great team and friendly staff.