Hoyes Michalos – Reviews and Testimonials

  I am so grateful for the kindness and non-judgmental help I received from Jason. It took 5 yrs for me... Read MoreI am so grateful for the kindness and non-judgmental help I received from Jason. It took 5 yrs for me to use up my little savings and go into debt to help my children through a rough financial time. I was so stressed and overwhelmed when Jason very calmly led me through the process. I highly recommend this company to anyone including retirees like myself who emotionally and financially got swallowed up in this challenging economy. Thank you so much for helping me! Read Less

When my wife and I found ourselves in a very difficult position, Mark was able to outline our best options... Read MoreWhen my wife and I found ourselves in a very difficult position, Mark was able to outline our best options and get us on track to recovery. Our consumer proposal was executed quickly and successfully and our dignity was kept intact throughout the process. It's incredible how much stress was taken from our lives by making the simple decision to set up an appointment here. Once again, can't say enough about Mark! Read Less

Best Decision I Ever Made to Get My Debt Paid with A Consumer Proposal. Without the Help of Hoyes,Michalos &... Read MoreBest Decision I Ever Made to Get My Debt Paid with A Consumer Proposal. Without the Help of Hoyes,Michalos & Associates Inc. I never would have been able to do it. Read Less

Thank you for giving me a chance at a better future.

  Very professional, helpful and advocates for their clients. Have never felt that I asked any bad questions and they were... Read MoreVery professional, helpful and advocates for their clients. Have never felt that I asked any bad questions and they were very clear in explaining every step. Special thanks to Nicholas To, Trustee and Ianina Raguimov. Read Less

I am very thankful for the nonjudgmental atmosphere I was greeted with and that was continued through the process of... Read MoreI am very thankful for the nonjudgmental atmosphere I was greeted with and that was continued through the process of setting up a Consumer Proposal.
From my first appointment to my final credit counseling I was thankful for the professional courtesy and non judgmental aid provided me. I wish to thank the
Hoyes.Michalos Hamilton Group for helping me to have less stressful future. Read Less

Excellent and understanding stuff members. They will listen to you and give the best option for you. I am very... Read MoreExcellent and understanding stuff members. They will listen to you and give the best option for you. I am very happy of Hoyes, Michalos & Associates Inc. and would refer them to anyone. Read Less

I recently went here for advice on my financial situation. I’m glad I did. The process was easy and all... Read MoreI recently went here for advice on my financial situation. I’m glad I did. The process was easy and all my questions were answered! I highly recommend it! Read Less

My Trustee was Sandra Sykora she was clear and direct and always checked in that I understood what she said.... Read MoreMy Trustee was Sandra Sykora she was clear and direct and always checked in that I understood what she said. Which calm me down enough to laugh a little. I love how I got an email follow up from the consultation, and each follow up counselling sessions. Every detail was clear and given to me in paper format and in email format. Plus the blog really helped me picture the process from start to finish and it even got me to think it's possible to own my first home. Really happy with the office location for Yonge and Bloor Read Less

2013 was a big yer for me, it was when I was 19, got approved for my first credit card,... Read More2013 was a big yer for me, it was when I was 19, got approved for my first credit card, cell phone, and some loans. However at that age, the goal was to spend spend and spend. I soon learned after a few years,, that it became debt, and debt leads to stress of creditors harassing you.

I began my journey with Hoyes, Michalos & Associates in late 2018 to early 2019. it started with filling out a small questioner that popped up on my facebook at the time, regarding personal debt. after filling out the questioner, few days later had an appointment set, with Nicholas who was a trustee at Hoyes Michalos.

we sat down and discussed my debt, discussed my options based on my budget, and ultimately came up with some solutions. there friendly reminders of your appointment, to excellent help from there team. I can say now that I am debt free, and now can start moving forward in my life towards a better finial future.

I would like to say to anyone out there that is deep in debt, that there is always a better tomorrow, the sun will always rise. just reach out to Hoyes Michalos, and they will help you with all your needs.

I give them 5 star, for the work they have done for me. So join me and become debt free, give them a call, I know I did and look at me now debt free. Read Less

As you may be, I was also over whelmed by consumer debt. My lifestyle didn't match my overspending. By the... Read MoreAs you may be, I was also over whelmed by consumer debt. My lifestyle didn't match my overspending. By the end of it I had over 50k of debt with creditors. I was staying on top of my minimum payments for the longest time but was always spread to thin. I felt like I was working for free. It's a hard decision to tap out and admit you can't handle something anymore. I knew I didn't want to do bankruptcy again but felt I may have no choice. I had previously done bankruptcy 15 years ago when my father passed away, I couldn't emotionally do anything. The second time you file a bankruptcy it lasts 12 years. So with all this on my plate I did an internet search. Several companies came up, I chose Hoyes because like you are doing I read their review's. I love to promote businesses I love. These guys gave me great and clear options. The staff were always very friendly and genuine about my situation. I ended up getting approved for a consumer proposal. Which is much better than bankruptcy. I only have to pay back a percentage of the 50k and I get to keep my assets that I worked hard for. The money I was shelling out like a black jack dealer is now down to a small single monthly payment. So what the proposal is, the trustee in this case Hoyes, contacts everyone you owe money to and negotiates a much lesser amount on your behalf. Once all of the creditors agree to this then you are good to go. Once you pay off your proposal your credit will start to rebuild after 3 years from completion. So much better than the original 12 years I felt I was going to be stuck. The process was fairly easy I had a few appointments with Hoyes, they were extremely professional but friendly too as they understand this is a hard decision for anyone. I couldn't believe anyone could help me as I was stretched beyond my means. I would definitely recommend these guys and don't keep waiting and thinking about it. If you are at this point you're probably tapped out like I was. Once its all done, whatever you chose you'll honestly feel so much better. I know this was a long review, but I know people are struggling like I was and I felt it was more important than just giving a thumbs up to Hoyes. Thank you Joel and the team at Hoyes on baseline and Wellington in London. You truly are a great service! -Derrick G Read Less

Always giving great advice during a difficult time, making the process and time manageable .

Great group of people & stress free. I’m gald to meet Doug. He lifted that debt off my shoulders. Thanks... Read MoreGreat group of people & stress free. I’m gald to meet Doug. He lifted that debt off my shoulders. Thanks Hoyes, Michalos & Associates Inc. you guys are the best! Read Less

Hoyes, Michalos helped me to get my finances under control. I was so stressed out in trying to meet all... Read MoreHoyes, Michalos helped me to get my finances under control. I was so stressed out in trying to meet all the financial obligations and there were just too much. Hoyes, Michalos walked me through my options and helped me to negotiate a reasonable arrangement with my creditors. Now they are helping me to build back my credit and move into a better financial position. Thank you Hoyes, Michalos & Associates! Read Less

  Such a great experience. when life got tough these guys helped me so much. Thank you Michelle and Mark. great team

Experts, Caring and very responsible team.
Scott was a great help and approachable.always. They are concern about our future also,
Wish the... Read MoreExperts, Caring and very responsible team.
Scott was a great help and approachable.always. They are concern about our future also,
Wish the team every success. Read Less

I was afraid to start my process. Once I called and had my meeting, Rebecca and staff made me feel... Read MoreI was afraid to start my process. Once I called and had my meeting, Rebecca and staff made me feel very comfortable and welcome. They always answered any questions that I had. They were very informative and helpful in the entire process. Dealing with the Windsor staff was a great experience and made me feel great to have a fresh start. Thank you once again.

GT Read Less

Incredible people, the process was seamless and comforting. I’m seriously happy my proposal was done through them and would definitely... Read MoreIncredible people, the process was seamless and comforting. I’m seriously happy my proposal was done through them and would definitely suggest Hoyes for anyone considering to do it!! Don’t bother looking somewhere else. 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

There is definitely nothing negative to say about Hoyes, Michalos & Associates in my experiences with them. The staff are... Read MoreThere is definitely nothing negative to say about Hoyes, Michalos & Associates in my experiences with them. The staff are friendly and quick to respond to any questions; working with them through my debt issue was the best thing I could have done and would recommend them to anyone seeking their services. Read Less