Hoyes Michalos – Reviews and Testimonials

Life changing experience by using the services from Hoyes, Michalos and Associates. Their staff in all departments helped me along the way through my bankrupcy and becoming debt free. All of my questions, concerns and worries were addressed over the past year and I am very happy with the outcome and my new lease on life. A huge weight off my shoulders and I have been given a second change. Great staff and would recommend their services to anyone in need of help or guidance with dealing with personal or business debt.

Caring professional that brings positive results worry free. Thankyou for all your help.

Wonderful organization, with educated, supportive, non-judgmental people who truly want to help you.

I am very grateful for your help Joel, and ongoing support Heather & head office team!!!

Ianina Raguimov is professional and highly knowledgeable. Above all, she is a compassionate, sincere and genuine person. I knew within seconds of meeting her that I'd be cancelling my other free consultations with other comapnies and sign up with Hoyes Michalos. Bankruptcy isn't just a big decision. In my case, it was the ONLY decision. I'm sure the loads of companies out there are capable of filling out the paper work. But this WILL be a rollercoaster with lots of emotions. So choose wisely and partner up with Ianina to guide your way through it all. By the end, and the end does come...you will find in Ianina, that not only have you recovered financially. But you have made a friend. Thank you to the whole Hoyes Michalos team. Whomever I interacted with was a pleasure. And a very special thank you, now and for always, to Ianina.

Always giving great advice during a difficult time, making the process and time manageable .

Jeff and Allison have been amazing! They are super understanding and helpful!

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.

About 2.5 years ago, I visited them. They said I will never be able to pay off my debts unless to file bankruptcy, but now I’m debt free and leasing a car. Glad that I didn’t take their advice as well as other debt relief institutions because they only want you to file bankruptcy. How I did it? Read books and have self-discipline.

Like many people in today's society, I have had the unfortunate experience of having to deal with overwhelming debt. I cannot speak highly enough of Brian M. and his Team. Not only are they thorough and detailed in their work, but they are also very understanding and empathetic when it comes to dealing with the overwhelming stressors at the beginning of all the processes. I have friends who have been through similar situations using other competitors with debit management, and all I heard were horror stories of dishonesty, misinformation and being humiliated and made to feel like scum. Clearly Brian and his team take a much better and clearly different approach. Thank you Brian and Team.

Billy at Hoyes and michalos has been wonderful. He is easy to talk to, understanding and very helpful. He explains everything, and takes you through every step I am grateful for all his help

Ted and the whole team here have been super helpful with everything. I have learned some new things I wish I knew about years ago with credit building and getting new start. You have someone on your side when you pick them as your coach. Much thanks all!!! If you choose them for trustees u got a winning team!!

Billy was just a huge help in my debt relief, extremely nice, and made a tough day lighter. Thanks

I came to Hoyes because I was far far behind in everything. They took the time to explain the process and found the right option for me. Howard and patty were great in making sure I was informed and had the right tools. They were all very kind and helpful. If you need help with your credit issues these are the one to go to.

They are simply the best of the best. I would highly recommend them hands down. Very friendly and knowledgeable staff. Look no further. This is the real deal

I was reluctant to consider the options to help me move forward. Ian made it easy to understand my options and how the process worked. Any inquiries I made were answered promptly and in detail. I am very happy with my result and ready to begin a new chapter. Thank you for your dedication to changing peoples lives for the better. I look forward to our continued relationship and will be referring you to friends and family!!

Excellent service and very professional !
I was very apprehensive, the team at Hoyes Michalos put my mind at ease and walked me through each step. Thank you all so much and a huge thank you to Brennan!

Would be nice to get a call back when you leave your advisor a voicemail!

Mark Borysiak was very thorough and explained everything in detail. My experience with him was very positive and I would highly recommend Hoyes, Michalos & Associates.

I want to express my gratitude to Benny for his invaluable assistance throughout this process. He patiently guided me through each step, explaining everything clearly and addressing all my concerns. Thanks to his support, the process was smooth and efficient. Benny's patience, empathy, and unwavering support made navigating this complex journey much easier for me. I highly recommend Hoyes, Michalos & Associates for their excellent service!

I 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.