Hoyes Michalos – Reviews and Testimonials

After years of having credit card debts and seeing no way out to get out of this nightmare, I took it upon myself to fix that issue once and for all by doing some online research about "debt reduction, debt consolidation, debt relief, etc" and the 2 key words that captured my attention was "Consumer Proposal".

After doing my due dilligence and looking at the best option for my situation, I decided to contact Hoyes, Michalos & Associates Inc and needless to say it was one of the best decisions of my life! I looked at the best firm to work with in the GTA and their name came up over and over again. Words can't describe the level of professionalism from the onboarding with the 1st phone consultation with Lorna to my 1st Zoom video meeting with the best Licensed Insolvency Trustee I can ask for in Jennifer Kwon (she's awesome!). Right from the 1st minute we talked, I knew I was in very good hands. She answered perfectly without any delays my long list of questions and I was reassured and given complete peace of mind. She gave me a clear short and long term plan and gave me incredible advice on many things. It felt like talking to a long term friend. That's how smooth and comfortable the service was.

I will be forever grateful to Jennifer Kwon and the entire team of Hoyes, Michalos & Associates Inc. They have literally changed my life as I sleep and feel better and the future looks bright. That firm is as good as advertised. If you need to contact the best trustee, do it now! Take my word for it, you won't regret it.

Thank You again to the entire team of Hoyes, Michalos & Associates Inc and Jennifer Kwon as you are changing and saving lives.

Best Regards,

Thanks to Benny for helping me settle my debts and get a new start. I was so overwhelmed with calls, letters, texts and emails until I found these people. They started the process right away and was very patient and supportive. I highly recommend

I can’t praise this team enough. What I thought would be a long stressful process was made unimaginably easier. A big thank you to Brett and everyone else who helped me transition smoothly out of debt!

Thank you Maureen for your excellent service. You have been an excellent coach, a great listener and communicator with a human touch and a valuable resource to me. I consider myself fortunate to have met you at this time.

I was finding it difficult to make monthly payments to my creditors. I knew I needed help. I am so happy I found Maureen! Maureen was super helpful and did not make me feel ashamed of the debt I had accumulated. I felt very comfortable with Maureen and I feel like a huge weight has been lifted off my shoulder. I would highly recommend Maureen to anyone struggling with their finances.

Amazing to deal with.Very helpful and knowledgeable. Extremely friendly staff. Made a difficult experience seem so much better... Thanks

Hoyes.Michalos very professional and provide great service. They are very flexible, reliable and advance you can communicate by phone, email or social media. Maureen is very helpful and she knows what she is doing. She is very professional trustee (LIT), knowledgeable and you can ask her tons of questions regarding proposals she will provide you all the answer. Overall Hoyes teams is great and I give them 7 stars ⭐️⭐️⭐️⭐️⭐️⭐️⭐️

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

I was treated with nothing but respect from Hoyes. Thank you so much for helping me get my life back on track

Ive finally completed my consumer proposal and couldnt be happier. Rebecca was truly amazing through the entire process and i completely reccomend and suggest others to get on the path to better credit building! Thank you Rebecca, thank you Hoyes

I received free advice from Hoyes, Michalos & Associates beginning a year and a half before I even filed for consumer proposal. They were so helpful and understanding all the way through. Every conversation I had with them made me feel better about my situation, and they gave me the best advice about what to do at each stage of my situation. I'm so happy I got in touch with them early and took their good advice. They are compassionate, understanding and smart!

Booked an appointment and talked to Howard regarding my debt and he is very accommodating and he explained everything and all necessary options i have as well as all the staff are very helful and friendly and everyone helped throughout the process..great group of people to talk and ask for help.

This office helped me in ways I could not have imagined. I had reached out to them to bounce off a question I had about managing debt. Ian listened to my question and then he asked about my full situation, he listened through it all. Ian provided me with an answer to my question as well as some provided me with some options that I did not even know existed. Because of his recommendations I decided to go a different route in managing my debt than what I had originally intended to do, which was amazing! Not only was the process simple it was also seamless. The stress and pressures are now off my shoulders and I can actually start to live life with possibility and hope. Hoyes Michalos stepped in and stepped up to help me on my journey of becoming debt free. If I could, I would give them 10 stars for amazing service, great options, and the added support I needed.

OMG! I don’t know where to start! First of all thank you thank thank you to Benny and Janette and Hoyes Associates for all their help! I couldn’t sleep and also focus with my debt issues until someone referred them to me! They booked an appointment for me to come in right away and requested information. As soon as I provided the information I was called to come in and complete the paper works! To cut the story short I was approved for my proposal. Now I feel so much better. So thank you guys once again for al your help. I give them over 100% recommendation to anyone going through debt issues. So professional and super nice.

I can’t recommend this place enough. I can echo what others have said regarding Kristen and making this whole process so much easier and less judgemental than I thought possible. Kristen is so awesome and the whole team has done more for me and my family than I can really express here. I appreciate the help beyond words, thank you.

I can’t recommend Hoyes, Michalos & Associates enough. I was facing an insurmountable problem and they helped me to address it and put it to rest without any judgment. I felt like they were on my side the entire time. Truly, lifesavers.

5 stars in every area, I highly recommend anybody with debt issues, to please visit them for help.

Mr. Jason Quinney was very helpful when I was in a very bad financial place in my life. For those wanting a fresh restart on your financial life, I highly recommend this firm, but above all, I recommend Jason, he's professional, patient and helpful. Made the process simple and efficient. I couldn't be happier with the outcome. Helped me make my unfortunate situation feel a lot less stressful. Highly recommend them with their excellency and professionalism. Thank you Hoyes, Michalos & Associates for your wonderful service..

Excellent experience. I was well taken care off; the team took time to explain things very clearly, were very great with following up and providing support whenever it was required.

When I first approached bankruptcy I was nervous and unsure of what my options were. The pros at Hoyes, Michalos & associates were able provide me with every thing I needed to take the pressure of this difficult experience. Also their customer service was outstanding. Thanks!