About Our Reviews

We’re sharing these reviews – unedited – to give you honest feedback directly from Hoyes Michalos clients. Our clients are the most qualified to tell you about their experience with our Licensed Insolvency Trustees and our caring team. We are dedicated to listening to our clients so we can provide the best service possible. We appreciate our clients taking the time to share their feedback. We hope you find their reviews helpful and informative. We look forward to working with you.

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4.9 Stars - Based on 2451 User Reviews
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4.9 Stars - Based on 95 User Reviews
Kendell Ramdeen (kenshink1) Avatar
Let me start off by saying that Brian McIlmoyle at Hoyes & Michalos helped me change my financial situation 180 degrees. From the high level of knowledge regarding debt, credit and financial planning to the excellent customer service and honesty, I felt secure disclosing my financial matters and felt that I was in good hands. I was always given a great deal of help every step along the way, and whenever an associate was busy, there was always someone to help forward my concerns to whomever I needed to talk to. Thank you Hoyes and Michalos!
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Kendell R. 7/06/2023
Dejan “Dan” Sutic Avatar
My experience was absolutely great. It was very efficient and professional. Everything was explained perfectly to me by Jason Q. and My proposal got approved without any hassle or going back and forward with creditors. Thank you for helping me get my financial situation in order and for your great help. I really appreciate it and will recommend you any time I can.
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Dejan “. 6/14/2020
Lev Tsivian Avatar
These guys are awesome! They really care about their customers and show great will to help you all the way by going an extra mile for you and providing lots of useful tips.
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Lev T. 7/15/2021
Kat Avatar
I cannot express just how helpful everyone at Hoyes has been! Billy, Beau, Portia, Peter, and others are informative and understanding throughout the process AND gave incredible tips for the recovery phase! I never thought I'd actually enjoy the bankruptcy experience, they truly did make it totally painless. Thank you so much everyone!!
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Kat 6/12/2021
na young kwon Avatar
I cannot thank Jennifer Kwon enough for her incredible support. As I was going through a very difficult financial time, her kindness and professional guidance were like a light in the dark. She explained every step so clearly and handled the entire process with such transparency that I felt I could truly trust her. Thanks to her dedicated help, my family and I now have a clear path toward financial recovery and a fresh start. If you are looking for someone who is not only an expert but also truly cares about your situation, Jennifer is the person to see. Highly recommended!
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na y. 2/10/2026
Ronnett Nikolevski Avatar
The people who work there are very friendly, they make you feel comfortable and at ease, making the process of what you’re dealing with easy to go through. I recommend anyone needing help with financial issues give Hoyes , Michalos a call , you’ll be glad you did 😊
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Ronnett N. 7/04/2022
Lorraine Grixti Avatar
This place is professional and very helpful. I recommend this company to use their services if they find themselves in need.
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Lorraine G. 6/29/2021
Grace Ti Kieng Avatar
My experience with Nicholas service was exceptional. I am very happy and confident with all the decisions I’ve made for the past few moths despite of my complicated case. It gave me peace of mind and closure that I went to the right company like Hoyes, Michalos & Associates Inc who prioritized for what their client’s needs. They’ve given me the benefit to be financially back on track. Many thanks again for all the resources and guidance that you’ve provided to me.
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Grace T. 6/25/2019
PAUL HAWTHORNE Avatar
Mark Borysiak helped me immensely in getting my affairs back in order. Would 100% recommend.
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PAUL H. 11/10/2022
Schalk Mouton Avatar
I received professional, empathic, and friendly service from Billy Martell. He explained the entire process, and guided me all the way . I can recommend Hoyes-Michalos with no hesitation.
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Schalk M. 11/01/2023
Patrick Bonnell Avatar
Excellent to deal with and very willing to assist.
Tremendously helpful in difficult circumstances.
Thank you Mariya and Brett.
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Patrick B. 3/11/2021
David Sanroman Avatar
After giving my debt situation a very serious thought, I decided to contact Hoyes, I found Brett to be very helpful and kind through the process
I'm so glad I chose them
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David S. 6/22/2022
Maggie P Avatar
I went from drowning in debt, to small monthly payments to just recieving an email that said my proposal has been paid off. Even the initial meeting with Sandra was a relief. She explained everything very well and was very polite. A friend recommended me and I tell anyone who will listen. I can't thank you awesome people enough.
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Maggie P. 10/27/2023
Alexandra Claire Mosqueda-Arena Avatar
I'm very grateful they were able to help me with all the debts I had, especially Brett and Janette!!! Incredibly patient, friendly and understanding. I would definitely recommend this company for your financial needs!
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Alexandra C. 11/28/2022
Tony Forde Avatar
The last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could not have been in better hands, although I wish to never see them again LOL! Thank you to a great team.
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Tony F. 10/03/2019
ALIX SHARIFI Avatar
They are really professional, courteous, helpful and straight forward.
I am still thinking it is a dream , still I don't believe my debt reduced from about 90000 dollars to 15000 dollars.
They did really wonderful job . I feel a huge weight off my shoulders.
I strongly suggested their services to everyone who face financial problems.
I was really feeling trapped in my own debt, and looking for a solution.
Hoyes. Michales.and Associates made a big change in my life.
Thanks for all their help.
Alix
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ALIX S. 6/08/2020
Vannessa Sherwin Avatar
Very satisfied with the work Hoyes has done for me... I wouldn't have gone anywhere else...
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Vannessa S. 12/31/2019
Susan G. Avatar
Not all trustees are created equal and Billy is one of a kind. He’s a Godsend; he makes you feel human again and hopeful. I could not thank him enough how he made things easy for me.
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Susan G. 7/05/2025
Faira Dewar Avatar
Amazing service, Howard spent almost two hours answering all of our questions during our free consultation over the phone. We’re thankful!
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Faira D. 10/11/2023
A C Avatar
Hoyes (particularly Jamie from St Catharines) was very professional and friendly. She helped me considerably reduced my debt and now I can focus to save more money and only pay a very small amount per month. Thank you very much Hoyes for your service
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A C. 5/08/2024