Hoyes Michalos – Reviews and Testimonials

Thank you for giving me a chance at a better future.

My husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized... Read MoreMy 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. Read Less

Recently had some major issues with CRA that really impacted my ability to continue paying my bills. After months... Read MoreRecently had some major issues with CRA that really impacted my ability to continue paying my bills. After months of trying to resolve them without any progress I decided to reach out to Hoyes, Michalos & Associates for some advice. Honestly, going through this is very stressful, but I was fortunate enough to meet Benny Mendlowitz at Hoyes who took me through my options and what Hoyes can do to help me to resolve my difficult financial circumstances. From the very beginning Benny made me feel comfortable and listened to my situation, provided me with options and solutions that where realistic to my situation and never judged my situation. I'm so relieved that the consumer proposal was filed and accepted and would recommend Benny & Hoyes to anyone who is in a tough financial situation. They are professional, experienced and look out for their clients which is really important. Read Less

Scott Terrio- absolute legend. Doug Hoyes- absolute legend. If they could share the Prime Minister role, our country would be... Read MoreScott Terrio- absolute legend. Doug Hoyes- absolute legend. If they could share the Prime Minister role, our country would be in a better place. I'll settle for them helping me sort out my financial situation and moving forward in life. Read Less

Excellent and professional!!! They make you feel up right and very good, in the whole process! I recommend them 100%⭐⭐⭐⭐⭐⭐... Read MoreExcellent and professional!!! They make you feel up right and very good, in the whole process! I recommend them 100%⭐⭐⭐⭐⭐⭐ Six stars! Read Less

Brian gets 6/5 stars. Such an easy to speak to personality with great advice that will hopefully save me. He... Read MoreBrian gets 6/5 stars. Such an easy to speak to personality with great advice that will hopefully save me. He talked me into being able to do this myself without their help. You don't find honest advice in a lot of places so this was greatly appreciated. Thanks again Brian Read Less

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

If there were more stars I'd give them to you!!!
Thank you very much for treating me with such professionalism and... Read MoreIf there were more stars I'd give them to you!!!
Thank you very much for treating me with such professionalism and respect. Excellent service that I highly recommend. Read Less

I have had nothing but positive things to say about this company! I dealt with the Burlington location. I had... Read MoreI have had nothing but positive things to say about this company! I dealt with the Burlington location. I had the pleasure of dealing with Peter and William and I can honestly say that with their help I am in a much better place financially then I have been in a long time! They take their time with you an make sure you understand every step throughout the process. Then there was the credit counselling appointments which sound a little intimidating at first but I can honestly say that I was so motivated after each appointment, I wish there was more!! They treat you like a real person, not just a client, they truly care for you and your financial situations and finding solutions for you that actually work in real life!! I am very thankful that I decided to email this office just for some information and got a real solution and a huge weight off my shoulders!!! Thank you to Peter and William. Read Less

I can tell you Benny and his team are fantastic, courteous and super patient to answer all your questions. Me... Read MoreI can tell you Benny and his team are fantastic, courteous and super patient to answer all your questions. Me personally felt no pressure when we met up first time, as I did not know what to expect, how to proceed. All I wanted is to put an end to all those calls, payment deadlines and garnishments.
Knowing what to expect meant everything as Benny helped me decide which steps to take and end the nightmare I was in. I can tell you for sure, if you have sleepless nights, just give Benny a call and be assured that he will find work hard to find the best solution to your problems.
Trust me when I say, if you want a quick turnaround to your debt problems, this is the place to go to. You won't regret it. Read Less

Jason Quinney from (Hoyes, Michalos and Associates Inc) has helped me when i was in a very bad financial place... Read MoreJason Quinney from (Hoyes, Michalos and Associates Inc) has helped me when i was in a very bad financial place in my life.

Him and his team have really great with me from the very first time i walked in there office they are very professional.

Jason have given me great advice and answer all of my question when i asked them. Which lead me to make a proper decision about my finances.

If you are in any financial problem please vist them, they will help you the same professional way they helped me. Read Less

I am so satisfied with the service, Benny was amazing he help me and made everything so easy for me.

After meeting with several companies to discuss my financial situation and the curve ball life had thrown me. This was... Read MoreAfter meeting with several companies to discuss my financial situation and the curve ball life had thrown me. This was the only team that from start to finish kept my best interest at heart! Provided the correct information the first time and allowed me to get back on a healthy path!
Thank you Joel and team Read Less

I was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my... Read MoreI was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my debt which has in turn provided me with a better outlook on the future and lift a huge burden off my back.
It was a pleasure working with them as well. The staff are extremely kind, friendly and very good at their jobs. I especially like the credit counselling as well as it motivates you to make better money decisions and gets you excited to start saving again.
I highly recommend this team to anyone going through debt troubles. I'm glad to have chosen them to handle my proposal. Read Less

From the time I realized I would be needing some help, I was a nervous wreck. Didn't know what to... Read MoreFrom the time I realized I would be needing some help, I was a nervous wreck. Didn't know what to do or who to go to. Then a friend of mine told me to check out Hoyes Michalos.

As soon as I received the first e-mail back I felt like I was in good hands, but was still a bit apprehensive about the whole process. Not being a homeowner, I didnt know which options if any would be there for me. After going through a phone interview with Scott Terrio, I agreed to come in and put my cards on the table and go from there.

From the first meeting with Scott, I felt at ease and knew that I would be taken care of. He thoroughly explained the process, and what the next steps would be in completing my Consumer Proposal. After the meeting when all information was exchanged, I left the office happy and like a weight was lifted off my shoulders.

When I went back in to the office to finalize the Proposal, I got to sit down with and meet Doug. He gave me a rundown of the timeline and any other new information that came about. The only thing left to do was wait for the creditors to respond, but I never had a doubt that it would not be excepted.

I was approved, and now have more financial flexibility and security going forward. Both Scott and Doug helped me out immensely. Even during the process, when one of my old creditors tried to harass me for payment, both Scott and Doug went above and beyond to help me out.

I would definitely recommend them to anyone who may be going through a hard time. There is a way for you to get out of your troubles, and that way is to contact the team at Hoyes Michalos. Read Less

They really help me out definitely a five star place to deal with

They aren't kidding with the whole "debt free in 30" (minutes). I spent a total of one hour at the... Read MoreThey aren't kidding with the whole "debt free in 30" (minutes). I spent a total of one hour at the office during my entire 9 months of bankruptcy. They get to the point while still providing options. They know what they're doing. Read Less

The people at Hoyes Michaels are very down to earth people they don’t judge and have compassion for the situation... Read MoreThe people at Hoyes Michaels are very down to earth people they don’t judge and have compassion for the situation you are in. Every time I speak with them they are always professional and honest. I highly recommend them if you are in trouble with debt. They actually care about your issues and I never once felt like they are just doing something to check it off the list and get on with the next to complete things. The staff are very knowledgeable and friendly and some have been through what I am going through so it makes it easy to talk and get on a good path towards my goals. Anyone who needs guidance I’m telling you to give them a call and the rest will fall into place. Read Less

Very professional, extremely helpful and fantastic to deal with.

My trustee was knowledgeable and efficient. He answered all of my questions and concerns effectively and in a friendly manner.... Read MoreMy trustee was knowledgeable and efficient. He answered all of my questions and concerns effectively and in a friendly manner. They were great to deal with. Read Less