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 2562 User Reviews
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4.9 Stars - Based on 97 User Reviews
S H Avatar
I struggled with stress and illness for years due to financial pressure until I contacted Hoyes, Michalos & Associates. Maureen Parent was professional, kind, and incredibly supportive throughout the entire process. She made me feel comfortable every step of the way, and I truly feel healthier now that everything is resolved.Thank you so much ! Highly recommend! ⭐⭐⭐⭐⭐
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S H. 2/09/2026
Alex M. Avatar
I 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.
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Alex M. 7/27/2020
Andrea Lisbeth Barcebal Avatar
I'm so thankful to Benny for helping me settle my debts and get a new start. I was so stressed by calls and emails. Benny helped me start the process right away and was very patient and supportive. I highly recommend him. He's been so helpful and patient all through. I can't wait for the time that I will be financially stable. Thank you so much.
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Andrea L. 11/03/2023
FreshDiazz Avatar
Before anything I would say when taking steps to rebuild your credit and getting the right help, I would say do your research on who specializes the best in these fields. I did mines and ended up on this firm at Hoyes, Michalos & Associates. The person that has taken charge in my case is Jason. They go over your case and gets your information to provide you the best option possible in which to go.

I'm not the type to write reviews but with something very important for my life such as this , its only right I do a review to help future clients in feeling comfortable in making the best choice.
This is my first time doing A consumer proposal like this and let me tell you its the best decision I could've made for myself because I also have someone like Jason behind me taking charge and making sure to answer any questions I may have and be along side me through the process.

Places like cactus deb relief are a bunch of scam artist because they ask you to pay them $1300 in 2 payments and they don't even do the work. I almost fell for it but something didn't feel right and didn't go through it. Just a heads up. legit places like hoyes, Michalos & associates don't ask for any payments because its already taken from your consumer proposal assessment with the other creditors so do your homework.

I did my research and this is the best choice I made for myself and for future financial freedom.

good luck to everyone on making the best choices you need to do to get back on track and learn from your past mistakes so you don't repeat them in the future.
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FreshDiazz 8/12/2023
Jenn W Avatar
I 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!
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Jenn W. 8/31/2021
ihsan Avatar
I was pleasantly surprised by the clarity and support I received throughout the process. The guidance and expertise provided were invaluable in helping me navigate this challenging situation.
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ihsan 5/28/2024
Azaria Kanda Avatar
Jason and the entire Hoyes team have been of tremendous help for rebuilding my credit. The process from the start was seamless and before I knew it I am nearing the end of my journey with them.
I’m incredibly grateful and forever are indebted to their professionalism and astute attention to any of my questions or concerns.

I highly recommend Hoyes if you want to rebuild your credit.
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Azaria K. 3/20/2021
Amanda Johnson Avatar
Maureen has made this whole process easy, judgement free, and stress free. Highly recommend her if you're struggling with debt and are looking to see what your options are.
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Amanda J. 6/26/2022
Noah Tribe Avatar
Hoyes, 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.
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Noah T. 6/14/2021
Richard Bors (Rick) Avatar
5 stars in every area, I highly recommend anybody with debt issues, to please visit them for help.
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Richard B. 6/12/2020
A Google User Avatar
After 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
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A G. 7/17/2020
Vega Chanel (Vegachanel) Avatar
Jason Quinney was extremely helpful and took me through the entire process while explaining all the steps, he made everything simple and easy to understand. Thank you!
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Vega C. 2/16/2023
Sandra Avatar
I had an amazing experience with Jason! He was very patient and informative during the whole process. When I had any questions I would either email or call and the response back was almost instant. Highly recommend!
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Sandra 10/18/2024
Iman Aka Avatar
Hoyes has the most professional team. They were always clear in their communication and ready to answer my questions. They did not push me to file for bankruptcy and allowed me to do so at my own time and pace. I would recommend Hoyes to anyone who wants to resolve their financial trouble in the least stressful way possible.
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Iman A. 5/16/2022
Brianne Avatar
Brian has been very helpful and patient with his service. He took the time to answer all questions and concerns I had when making such a huge step to move forward financially, he gave reassurance when necessary. I recommend Brian for any financial troubles you may be having.
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Brianne 12/08/2022
Michael Glidewell Avatar
Very helpful, informative and straight forward. If you need help financially then I highly recommend them.
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Michael G. 6/11/2021
Jack Wang Avatar
I had the pleasure to work with Nicolas To and I'm so glad I met him. He knows exactly what he's doing and his response is always quick. Most importantly, I think he's a very compassionate person, highly recommended !
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Jack W. 1/05/2022
Linc Burrows Avatar
Extremely happy with the Team of Hoyes, Michalos & Associates. Very professional, knowledgeable, and understanding. Made me feel very comfortable during the difficult period of my life, and thanks to Benny and his team for a great outcome. Absolutely recommended.
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Linc B. 10/07/2019
Ith Leuangthong Avatar
Best decision I ever made to contact Hoyes, Michalos & Associates! They are truly the best company for financial support. I am very grateful for all they have done for me!
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Ith L. 10/12/2022
Nigel Avatar
I cannot say enough great things about Hoyes, Michalos & Associates. I was in a really difficult position a few years back and the support, clarity and direction I received from Howard at the Brantford office was top level. Because of the professionalism and compassion I received from the very beginning, I had no shortage of motivation to improve my situation. I am so happy to say that I have overcome my debt and have developed great practices to stay financially healthy and proactive. I am so grateful for the Hoyes team. I want to especially thank Diane at the Kitchener location for taking time to sit down with me and follow up. Her experience, kind nature and passion for what she does is amazing! So grateful for the hardworking people at Hoyes, Michalos & Associates. 🙂
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Nigel 6/08/2021