After years of being offered an increase after increase on various credit cards and loans, I was left feeling puzzled.... Read MoreAfter 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! Read Less
Dan E. 11/06/2019
Debt Relief Experts
Hoyes, Michalos & Associates Inc.
Hoyes, Michalos & Associates Inc.
Excellent organization. Provided amazing guidance and help through my proposal. If you're going through difficult financial times look no further.... Read More 
