Hoyes Michalos – Reviews and Testimonials

Extremely helpful and easy to speak with. (As well, very easy to contact)
I sat down with them in 2015 and they went over plans and options step by step on dealing with my debt situation, making everything clear and concise. In the end they helped work out a plan that worked for me in my situation, and I'm happy to say that I'm now debt free! Very happy I chose Hoyes, Michalos!

I had actually thought the processes would be stressful. Ian martins took it step by step and make sure i understood every aspect and what i am committing into. I was that so relieved and put off that fearful moment of my life each time my phones rings from the creditors. The advice Ian gave is developing me to another fresh savings life that i can bank on in an emergency situations. I am now a new being, and i hope to work in paying off my shared part before the extended years.

Great business great staff if you need help these are the guys you want on your side

This company and certain individuals have done wonders for fighting for me to help me manage my debt. They have given me tons of information so I don't wind up in this spot again. Truly, a wonderful group of people, who hold your best interest as if it's their own. 100% recommend.

Joel and Heather have been very helpful throughout the process of my consumer proposal. Joel thoroughly explains all options. Heather provides realistic advice and welcoming discussion. I would recommend them and Hoyes to anyone in my situation!

Benny was amazing with me and answered all my questions with a lot of patience and most importantly got the job done. If you're wondering whether this is the right place for you, I'd say give them a call and you'll have a great experience.

I didn't anticipate finding myself in a position to request the service of Hoyes, Michalos & Associates. Initially I had difficulty finding a reputable agency who could assist me, not take advantage. I met with Brett who was of great help in navigating me through my options. I also met with Brennan who provided 2x clear, direct and short presentations to set me up with tools for success. I feel as though I'm in great hands.

For the last 5 years I had been trapped in a very large amount of debt and had multiple creditors needing to pay off each month totalling over $1600 and overall debt of over 35K. The sheer stress and financial burden was really affecting my day to day and overall mood which was at most times not the best. My friend told me about Hoyes, Michalos & Associates and how he was getting his Debt under control through this reputable company. I asked for the number and 3-4 weeks later I am in this position - Now Paying a mere fraction of what I was previously paying out which at the time was ALL interest and Zero principle.I would have never climbed out of debt. I have been given a chance to rebuild my credit properly and The best part is now 59 months to debt freedom! LFG!!

Benny and his colleagues at Hoyes, Michalos were fantastic to deal with and are true professionals ! Benny made things very easy to understand and was clear cut. Very happy and grateful man today all because of an initial phone call

THANK YOU Hoyes, Michalos & Associates!!! 🙏🙏

Brian was very helpful and made navigating a proposal smooth. He explains everything and makes sure you understand everything.

I am very happy to have done business with Hoyes, Michalos & associates Inc. Maureen went out of her way to help and give advice. Thanks so much!

I finally have been given a fresh start! Its rough few years financially but Jason made me comfortable and knowledgeable enough to take the next step to get back on track. I have been able to create a budget as well as learn saving and credit rebuild tips. Highly recommend

My husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized we could not manage our level of debt. Even though we are of the generation taught to take care of our responsibilities, we could not.
We contacted Hoyes, Michalos (I don't remember who recommended them).
Everyone was pleasant, helpful, knowledgeable and capable. They made us feel comfortable with no sense of recrimination and helped us efficiently. Excellent service and care.
We have finished the five year term and realized we needed to improve our credit rating. We called Hoyes, Michalos again and they were able to help again.
We are grateful for the emotional care, knowledge and expertise. I would recommend them to anyone.

Before I found Hoyes Michalos I was literally at rock bottom. I was unable to make minimum payments on my credit cards and it was boiling down to the decision between groceries or putting money into a credit card. I had seemed help from the bank and was basically met with “you have no options but to shuffle your existing debt around. There is no option for consolidation” and they told me a consumer proposal would be a terrible idea but could provide no other solution.
When I met with Jeff he didn’t make me feel like I was failing like the bank had previously and he didn’t make me feel like there was no way out. I was treated like a person every step of the way and shown the reality of doing the proposal. I still have a long way to go to repairing my personal situation, but the support and guidance from Jeff and Krista has been great and has helped me feel like I’m not down and out just yet.

Drowning in debt before your 30 and feeling like there is no way to dig your way out is literally suffocating. So having people in your corner, helping you find your way is really reassuring. I am very grateful to have found Hoyes Michalos.

Jason and the team were great! Patient and helped me though the whole process. Should have done this much sooner. Thanks guys!!

I can't believe how easy a process this was and am so happy I approached Hoyes, Michalos to help me get back on track with my debt!
And they are so conveniently located right at King Station! Great people who treat you with respect and integrity!

I had the pleasure of working with Hoyes, Michalos & Associates for the past 5 years during a consumer proposal. It was great to have a team of professionals that could guide me through this process and answer all my questions. I always had someone to call and get IMMEDIATE assistance which really gave me peace of mind. Professional service, they're good at what they do, 5 stars.

We had a great consultation with Ianina! She gave us hope, gave us a solution, walked us through the next steps and our options. She was extremely empathetic and understanding to our situation and left us feeling better about our future. She was very kind to us and our toddler and was very informative and educated us. We are looking forward to working with this office to help us get out of debt and move forward with our lives. Thank You so much for giving us hope when others were trying to take it all away.

Brett and Brennan have been extremely caring, compassionate and professional during the entire time. The knowledge I’ve gained will not be lost. Thank you

Dealing with Hoyes, Michalos & Associates Inc. was an experience that I will never forget.I randomly came across them on Google search during a very hard session. I was so afraid, I didn’t know what to say or even where to begin. I was very fortunate to deal with Ted who was so kind and with the most beautiful approach. I felt a sense of relief just getting a phone call from him. After my initial meeting with him, for the first time in months I was able to sleep. It’s wasn’t just about my finances it was more than. Ted took the time to really examine my situation and worked if me accordingly. His team have been amazing with the follow-ups. I am so great full to this team for continuous support. I am finally looking forward to rebuilt with confident with their amazing support and guidance.

Thank you Hoyes, Michalos & Associates Inc.

Katie

My trustee was knowledgeable and efficient. He answered all of my questions and concerns effectively and in a friendly manner. They were great to deal with.