Hoyes Michalos – Reviews and Testimonials

I had a lot of debt that I could not keep up with. I did some research and got some consultations with a couple firms. Hoyes, Michalos & associates is the firm I ended up chowing. My adviser was very knowledgeable and very understanding about the whole process and so helpful! Maureen is a fabulous and happy person that makes this process feel less intimidating and more comfortable that I’m helping my future self to have a better credit rating and not having anymore debts! Super happy with the service I’m receiving and all the help I also received during this process!
Thank you so much Maureen for all your help and kindness ❤️

I was so nervous about talking about and dealing with my debt but Billy was so calm and easy to work with that I felt my stress level immediately reduce. I know that I was in good hands with Hoyes Michalos and I would definitely refer him to anyone who is having a difficult time with debt! Life is hard and sometimes we just need a little help. Billy and Hoyes Michalos can help.

This is the second time I've used their services to help me with my debt. First in 2010 and now more recently. Both times have been pleasant and friendly experiences. I highly recommend them for your debt needs

Ted, Meg and the staff at Hoyes, Michalos have been courteous, knowledgeable, efficient, supportive, and friendly. They have made it so much easier to go through a very difficult situation.

So far very respectful and it's a scary process, but they help a lot for you to relax about your situation.

Billy made everything steamless great safe environment made me so happy to get fresh start thanks would recommend this to anyone in need 😀

Anyone thinking of doing a consumer proposal this company is great, they walk through all the steps and explain how everything works.

There is definitely nothing negative to say about Hoyes, Michalos & Associates in my experiences with them. The staff are friendly and quick to respond to any questions; working with them through my debt issue was the best thing I could have done and would recommend them to anyone seeking their services.

I had my 2nd counseling session with Janette today and we followed up on my progress thus far. I was provided with some excellent guidelines to help improve my credit score, build my savings and track expenses. Janette offered me excellent tips to achieve short and long term goals in regards to saving and re-establishing myself financially. She took the time to answer my concerns and provided me with links to resources offered that will continue to assist me on my journey to financial freedom. Thank you for contributing to another great customer experience with Hoyes,Michalos & Associates!

Doing my consumer proposal with this company was the best decision i made, Jason was always available to discuss my concern and help to guide me along the way

I was living pay cheque to pay cheque and struggling. The stress I was dealing with was affecting many aspects of my life in a negative way, I finally turned to Hoyes , Michalos & associates. This was the best decision I have ever made, Jeff and Alison are amazing people to deal with, they are so understanding they explain the process in a way that I completely understood, I wish I had done this year's ago, my life has changed so much for the positive and I'm stress free. I highly recommend Hoyes , Michalos and associates, if you are struggling like i was PLEASE call them because you WILL get your life back!!

My Filing a Consumer Proposal was not as difficult as I had thought. (Billy) was very pleasant and explained everything to me. My first counselling session was great, and the questions were easy and straight forward. I would recommend this company . It's is surprising how less stressful you become once you know your are free of debt.

Best thing I have ever done was make the call to Hoyes, Michaelis and associates. The feelings of anxiety and embarrassment were quickly washed away from the moment I spoke to Howard. He was full of knowledge and empathy. I was thoroughly informed as to my options and made the best decision with guidance that I trusted completely. My follow up with Patricia was so helpful ..... It gave me hope for my financial future. I cannot recommend this company enough if one is considering doing a bankruptcy or proposal.

Thank you to Hoyes, Michalos and Team. All of you are absolutely amazing people. Everyone working here, to the lovely lady who answered the phones and received my emergency calls at 8am in the morning, have been the most patient and understanding group of people in a time that was difficult for me, you all made it easier and FINALLY! am FREE and I can begin anew. Thank you all so very much.

I had the pleasure of dealing with Benny. He guided me through the available options relating to my situation, and answered every question I had. We were able to obtain a favourable agreement with my creditors, and I'm happy with the result. I would definitely recommend him/Hoyes to my family or friends, should they require such services!

I couldn't sleep, didn't have a day with thinking of my next bill payment, stress was my closest friend. I was told about a debt consolidation, I got some info online, still wasn't sure if it was a good idea nevertheless I needed help. With more online search I gathered info about HOYES... a phone call to them then in person meeting, I could see a change coming.
I was told that a consumer proposal would work for me, which i accepted now I'm saving money, making my monthly payments on time and getting some sleep, my close friend STRESS, is no longer around.
I'm pleased to recommend the team at Hoyes, Michalos & Associates inc they changed things for me I'm sure they will do it for you 📞 call them.

Awesome service! Jason is very professional and very helpful. Responds in a timely fashion to inquiries and provides useful tips and suggestions. Great company overall

After quite a lot of hesitation I finally reached out to Hoyes, Michalos & Associates to help me with my credit card debt. Nicolas and his colleagues were fantastic and helped walk me through my options. I genuinely regret putting it off as long as I did, it would have saved me thousands in interest payments, but Nicolas was able to get me a great rate for my debt consolidation and on the first try. Very highly recommend giving this office a call.

Just want to say thanks a lot to Jennifer Kwon for helping me with Consumer Proposals. This has changed my life significantly. She is very professional and caring. Thanks again.

The only thing that gave me more anxiety than my financial situation, was actually reaching out and asking for help dealing with it. I was stuck in a never ending cycle of taking out payday loans to pay back other borrowed money. Eventually, I was at the point where my biweekly minimum payments were higher than my pay. I reached out to Hoyes, Michalos & Associates, and after a short judgement free consultation they started my proposal process. I received the email this morning that my proposal has been accepted by my creditors, and for the first time in a long time I feel like a weight has been lifted off my shoulders. My only complaint is with myself that I didn’t reach out sooner.