Hoyes Michalos – Reviews and Testimonials

My experience with Nicholas service was exceptional. I am very happy and confident with all the decisions I’ve made for... Read MoreMy 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. Read Less

Rebecca was extremely knowledgable and made the entire process clear and easy. I would highly recommend Hoyes and Michalos to... Read MoreRebecca was extremely knowledgable and made the entire process clear and easy. I would highly recommend Hoyes and Michalos to anyone seeking an insolvency trustee. Read Less

Peter helped us understand on what we can do about our debts. He is very thorough and organized. When we... Read MorePeter helped us understand on what we can do about our debts. He is very thorough and organized. When we decided to talk to him, he enlightened us and guided us along the way. Truly a professional one. No judgment, just pure help. Thank you Peter. Read Less

Professional lifesavers! I cannot thank them enough. Everything was explained thoroughly and my options were laid out so I felt... Read MoreProfessional lifesavers! I cannot thank them enough. Everything was explained thoroughly and my options were laid out so I felt confident in deciding my next steps. I now look forward to rebuilding my life thanks to the wonderful people at Hoyes. Read Less

I was in a bind and I really didn't know what to do. A friend told me about Hoyes. I... Read MoreI was in a bind and I really didn't know what to do. A friend told me about Hoyes. I made a call and went for a meeting with Jeff. He explained everything to me and basically left it to me to decide. I decided to go with his proposal and it has really eased the burden of all of those payments I was buried under. Thank you Jeff and everyone at Hoyes Niagara! I feel like I am on the right track now. Read Less

I highly recommend HOYES, MICHALOS & Associates as a Trustee. Shannon, Brenan, and the other associates have been very helpful,... Read MoreI highly recommend HOYES, MICHALOS & Associates as a Trustee. Shannon, Brenan, and the other associates have been very helpful, and made the Consumer Proposal process simple. They are a reputable, and professional company that you can trust. Read Less

Ianina Raguimov is professional and highly knowledgeable. Above all, she is a compassionate, sincere and genuine person. I knew... Read MoreIanina Raguimov is professional and highly knowledgeable. Above all, she is a compassionate, sincere and genuine person. I knew within seconds of meeting her that I'd be cancelling my other free consultations with other comapnies and sign up with Hoyes Michalos. Bankruptcy isn't just a big decision. In my case, it was the ONLY decision. I'm sure the loads of companies out there are capable of filling out the paper work. But this WILL be a rollercoaster with lots of emotions. So choose wisely and partner up with Ianina to guide your way through it all. By the end, and the end does come...you will find in Ianina, that not only have you recovered financially. But you have made a friend. Thank you to the whole Hoyes Michalos team. Whomever I interacted with was a pleasure. And a very special thank you, now and for always, to Ianina. Read Less

Made appointment through email and they got back to me right away. My first appointment we discussed my options. ... Read MoreMade appointment through email and they got back to me right away. My first appointment we discussed my options. They went through everything step by step, got all the paperwork filled out and by the time I left, it felt like a huge weight had been lifted off my shoulders. I would sincerely recommend Hoyes, Michalos & Associates. 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

Life happens, and going through financial struggles can be nerveracking. Benny and Janette went above and beyond to provide me... Read MoreLife happens, and going through financial struggles can be nerveracking. Benny and Janette went above and beyond to provide me with all the information, understanding and support I needed in order to make the right decision for my situation.
They always answered promptly any questions I had, and guided me step by step through some uneasy choices.

I can now breathe easy thanks to their professionalism!
Highly recommend! Read Less

It's hard for me to say I need help. Pride? Idk, but this firm was very helpful with advice and... Read MoreIt's hard for me to say I need help. Pride? Idk, but this firm was very helpful with advice and guidance. I never once felt ashamed or embarrassed. The relief I felt afterwards was awesome. Read Less

I’ve worked with this company twice now and nothing but a positive experience both times. Very knowledgeable, friendly and understanding.

Great staff, give real help, work with you through your finances situation and give you the best advice to make... Read MoreGreat staff, give real help, work with you through your finances situation and give you the best advice to make your life back in the good track. Thanks so much for your help Read Less

Great help and a good group of people to work with.

I went to Ian Martin at Hoyes in a time of financial struggle. In fact, I went to him several... Read MoreI went to Ian Martin at Hoyes in a time of financial struggle. In fact, I went to him several times before I finally made the decision to commit. It's not an easy situation for anyone to be in. He never pressured me, rather he just listened and gave advice. When I finally did commit he became more an advisor and a friend. I felt totally comfortable talking with him about my situation. If anyone is considering a consumer proposal or bankruptcy, I strongly recommend sitting down with Ian for a discussion. He is very understanding, and his approach is to put your mind at ease. The rest of the Hoyes team was great as well... special mention as well to Tabetha in the tax department. Thank you Read Less

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

This was a very positive experience for me. I enjoyed working with everyone who helped me, and treated me in... Read MoreThis was a very positive experience for me. I enjoyed working with everyone who helped me, and treated me in a professional manner. Read Less

I was initially terrified when it came to bankruptcy but the individuals at this office are absolutely elite. Friendly, understanding,... Read MoreI was initially terrified when it came to bankruptcy but the individuals at this office are absolutely elite. Friendly, understanding, and welcoming throughout the entire process. I get to have my life back because of these people. I am forever grateful. Read Less

Special thanks for Mrs.Sandra sykora my licensed Trustee for all her efforts.
Highly recommended that agency, very helpful.
Best way to get... Read MoreSpecial thanks for Mrs.Sandra sykora my licensed Trustee for all her efforts.
Highly recommended that agency, very helpful.
Best way to get out of your debits and rebuild your credit and stop receiving calls.
Appreciate your help now i feel free and satisfied by the service.

Thanks Hoyes, Michalos & Associates Read Less

I’ve worked with this company twice now and nothing but a positive experience both times. Very knowledgeable, friendly and understanding.