Hoyes Michalos – Reviews and Testimonials

I highly recommend Hoyes, Michalos. I recently went through the process of submitting a Consumer Proposal, and Doug Hoyes was... Read MoreI highly recommend Hoyes, Michalos. I recently went through the process of submitting a Consumer Proposal, and Doug Hoyes was incredibly helpful, informative and non-judgmental. I found all of the information available on their website very helpful as well. Thanks to Doug, years of financial stress and burden have been resolved and I really feel like I can make a fresh start. Thanks so much for all of your help! Read Less

Honestly, Hoyes & Michalos turned a very stressful situation for me into a very manageable situation. I felt very empowered... Read MoreHonestly, 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! Read Less

Like many people in today's society, I have had the unfortunate experience of having to deal with overwhelming debt. I... Read MoreLike 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. Read Less

Very professional and friendly. Answered all my questions and made the process painless as possible. Now I am on my... Read MoreVery professional and friendly. Answered all my questions and made the process painless as possible. Now I am on my way to debt freedom thanks to Hoyes Michalos. Read Less

The economic constraints of the COVID-19 pandemic impacted me greatly. I am very pleased to now be a client of... Read MoreThe economic constraints of the COVID-19 pandemic impacted me greatly. I am very pleased to now be a client of Hoyes, Michalos and Associates. My trustee is patient and very knowledgeable. She has provided me with a measurable approach to financial freedom, without having to file for personal bankruptsy. We were able to work with my debtors with a consumer proposal. I am well on my way to fulfilling my goals. Thank you! Read Less

Rebecca and Tina are so kind and wonderful. They are very helpful and very easy to talk to, they answered... Read MoreRebecca and Tina are so kind and wonderful. They are very helpful and very easy to talk to, they answered every question without any issues. My experience has been so amazing because of them. I was so scared and nervous going into this and they made me feel so much better and comfortable. I highly recommend them. Read Less

Hoyes, Michaloes and Associates are great with helping you with your financial difficulties. Jason has been a great help and... Read MoreHoyes, Michaloes and Associates are great with helping you with your financial difficulties. Jason has been a great help and has been there every step of the way. Jason as well as the company itself is professional, trustworthy and just great to deal with. 10 out of 10 recommend Hoyes Michalos & Associates. Read Less

Life changing experience by using the services from Hoyes, Michalos and Associates. Their staff in all departments helped me along... Read MoreLife 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. Read Less

If your facing financial hardship and considering a bankruptcy or consumer proposal I highly recommend Hoyes, Michalos & Associates. At... Read MoreIf your facing financial hardship and considering a bankruptcy or consumer proposal I highly recommend Hoyes, Michalos & Associates. At first I am hesitant but the moment I was talking to Benny for consultation I feel at ease. Benny and his team are very professional and comfortable to talk with. He will help you understand the process step by step. It’s just few months ago that I started my proposal but I can feel that my financial situation is getting better through the help of your team and I am very thankful to all of your team. Wish you all the best. Read Less

My Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses... Read MoreMy Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses to any and all queries I sent her way, truly made this process sooo much easier. She was there to guide and advise as needed. I truly could NOT have asked for a better person to work with when going through my financial restructuring.
I highly recommend Sandra and this firm for anyone considering this step in their life.
Oh and the location at Yonge and Bloor on the subway for those that need but for me was just a walk away which made things all the better.
Thank you HMA for your assistance! Read Less

I was experiencing paying 2000 a month in credit debt..like a ball and chain..
I got myself into trouble and faced... Read MoreI was experiencing paying 2000 a month in credit debt..like a ball and chain..
I got myself into trouble and faced paying off credit the rest of my life
These guys saved me and my debt depression is gone..affordable payments and also they care about YOU ..call them and stop worrying Read Less

Professional, courteous, helpful and straightforward, while also treating you like a human rather than a dollar sign. With their... Read MoreProfessional, courteous, helpful and straightforward, while also treating you like a human rather than a dollar sign. With their help, I have a 5 yr plan that eliminates a large debt, frees up my money to cover everyday expenses, and also helps to start to rebuild my credit. If you're looking to get back on track financially, then get your butts in here. It'll give you peace of mind and take a load off your shoulders. Read Less

I was in a bad debt and couldn't get it under control they help me out of it

I had been struggling with debt since 2017 when my Husband and I separated~ I was able to keep up... Read MoreI had been struggling with debt since 2017 when my Husband and I separated~ I was able to keep up until I retired and my income was substantially lower. I researched and read every article that I could find on what I could do~~ After all my research with the various companies offering to help with debt relief, I decided to speak with the people at Hoyes, Michalos in St Catharines, everything was explained to me in language that I could understand and the various options were presented at the first meeting. They are all wonderful and made me feel very comfortable instead of embarrassed. I decided to go with a Consumer Proposal and they did everything for me~~ I will be paying it for 5 years but it is only one third of what I owed, so at the end of it I will have paid my creditors something and I will then be debt free~~ I can never Thank them enough 😊 Read Less

I went through and very bad separation and my business was not doing great, I thought I was looking at... Read MoreI went through and very bad separation and my business was not doing great, I thought I was looking at bankruptcy. I heard the radio ad for HOYES, MICHALOS & Associates but was too embarrassed to call. Finally, I picked up the phone and made an appointment. Licensed Trustee Scott Schaefer and the staff were great! All my debt was squared away and negotiated with my creditors. My monthly payments were manageable and my debt paid off quickly. I was free and built up my credit to an excellent rating once again. I SHOULD HAVE CALLED SOONER! Now I open my mail, answer my phone and sleep at night without worrying. Read Less

Kristen has helped me very much.
I have to thank her and Howard for all the work they have done for me.

Right from the word go, I felt Hoyes was the right Trustee to help me. The representative I delt with... Read MoreRight from the word go, I felt Hoyes was the right Trustee to help me. The representative I delt with was very knowledgable and prompt. I would entrust my financial issues with Hoyes any day any time.
Thank you very much Read Less

Over the years my and my husband's personal financial situation became more of a load that we were able to... Read MoreOver the years my and my husband's personal financial situation became more of a load that we were able to bare, however when Covid 19 hit and we weren't bringing in the same monthly income, we knew we had to do something to save ourselves from a worse situation in six months time. In came Hoyes! We have dealt with Mark at Hoyes in Barrie and aside from being informative, professional and responsive to our emails and questions, he has also been very personable, he speaks to us like humans not a number or a paycheck like some banks and other companies. He managed to make all our appointments thus far via Zoom and has been more than accommodating during these strange times. We have some follow up appointments with him to go over our budgets and ensure we are on the right path, and rather than that be a daunting experience or one where you would feel anxious or ill prepared, I actually look forward to it. He assists with both personal suggestions as well as proven results that are easy to understand, and are obtainable. We are very glad that we chose to work with Hoyes and that Mark is our Trustee! Highly recommend! Read Less

Team was great, helped my senior uncle with all of his repetitive, and annoying questions, took time to ensure he... Read MoreTeam was great, helped my senior uncle with all of his repetitive, and annoying questions, took time to ensure he understood things no matter how many times it took.
I would highly recommend this organization and Bret, and the team at the etobicoke office.
If they were this amazing with some one who tries my patience on a regular basis and helped him make the best choice for his situation I can only imagine how much better they would be with a regular person.
If you are in need or a desperate situation, call them, and they will treat you with the same compassion and professionalism we got! You wont regret it!
Neil Read Less

Financial problems are not easy to discuss but the people I have dealt with at Hoyes have been nothing short... Read MoreFinancial problems are not easy to discuss but the people I have dealt with at Hoyes have been nothing short of amazing! Jennifer and Heather made the process easy, comfortable and even fun!!!Thanks to them and their guidance my financial life is on the road to recovery!! Thanks again Read Less