Hoyes Michalos – Reviews and Testimonials

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

My Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses... Read MoreMy Trustee was Sandra Sykora whose is the consummate professional. Her incredible attention to my situation and amazingly quick responses to any and all queries I sent her way, truly made this process sooo much easier. She was there to guide and advise as needed. I truly could NOT have asked for a better person to work with when going through my financial restructuring.
I highly recommend Sandra and this firm for anyone considering this step in their life.
Oh and the location at Yonge and Bloor on the subway for those that need but for me was just a walk away which made things all the better.
Thank you HMA for your assistance! Read Less

Excellent staff. Very knowledgeable and helpful.

Hi everyone
I just wanted to say I was in debt up to my ears and was so distraught and couldn't... Read MoreHi everyone
I just wanted to say I was in debt up to my ears and was so distraught and couldn't sleep because of worrying about on how I'm going to pay We I went online from taking a friends advice and he told me what to do i came across this company online so i thought i would give them a try ,made an appt. Went to see them talk with the reception which set up to see the trusty I found myself relaxed and able to talk with them and had the ball rolling
They helped me a lot got a big weight of my shoulders and the amount to my creditors was reasonable and I was much happier.
I would recommend this company to anyone who needs help with their debt They got qhat I need and all the garnishment if my income was gone and I can keep my house a little longer
Thank you Hoyes Michaels and associates
Sincerely B Henry Read Less

Excellent service and results. I have recommended to others (Kitchener location).

The team at Hoyes, Michalos & Associates are amazing. Would most definitely recommend their services to anyone dealing with the... Read MoreThe team at Hoyes, Michalos & Associates are amazing. Would most definitely recommend their services to anyone dealing with the stress of consolidating debts and getting back on track. A special thanks to Rebecca for helping me through the process and reducing my stress in a difficult time. Can't thank you enough 😁😊 Best decision I've made 👍👍👍 Read Less

If you are in a financial crisis get help now! Don't wait and hope it will all go away. Debt... Read MoreIf you are in a financial crisis get help now! Don't wait and hope it will all go away. Debt has been robbing me of my quality of life for too long and my only regret is not coming in sooner. I entered carrying the weight of my shame and defeat and left with the first shred of relief I have experienced in years! From the very first email correspondence to the actual first meeting the experience was nothing but positive! I have a lot of social anxiety and was terribly nervous but the second Ian started speaking I felt calm and determined that together we would come up with a plan that suited my situation and my means. He was thorough, spoke in terms I understood and made sure everything was making sense to me. He is the type of person that you instantly trust because it is so evident that all he cares about is you and your well-being. I was prepared for tears but instead of tears there was laughter. There was positivity and clarity and hope, all things I thought I'd never feel again under the shadow of this debt. There was zero judgement and I never felt that any of his questions were intrusive or made me uncomfortable. Just knowing that I have his guidance and that there is a clear plan to recover from this setback means more than anything right now. He followed up in an email almost immediately after our meeting to let me know that I can ask questions at any time and turned this money-trouble mountain into a money hill. I urge you to not let your pride or shame delay you from seeking help immediately! It's going to take some time and commitment on my part to get there but one meeting was all it took to make me optimistic about the next steps and my financial future. 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

A big Thank You to Shannon Desaulniers, who met with me several times during the last few months. This lady... Read MoreA big Thank You to Shannon Desaulniers, who met with me several times during the last few months. This lady really knows her stuff! She is fast and efficient with communication/emails, paperwork/documents, hardly any papers on her desk, as she scans all your important documents and gives them right back to you! I would say she's almost gone paperless, she is definitely saving some trees! Shannon knows all the laws/regulations surrounding insolvencies and so much more, as she is a professional experienced trustee. Don't hesitate to book a free consultation with her. She was caring and thoughtful, while taking into consideration my individual circumstances. Thank you for all your help Shannon! Much appreciated! Read Less

Billy was the best. Just completed my Bankruptsy with him. I'm so happy with there flexibility. Gave me options when... Read MoreBilly was the best. Just completed my Bankruptsy with him. I'm so happy with there flexibility. Gave me options when I started and it was up to me to choose which path to go on. If I could rate 1000 stars I would. Keep doing a great job guys. I'm extremely happy. Read Less

I am a former client (I worked with Billy Martell). I filed for bankruptcy December 5th, 2012 during an exceptionally... Read MoreI am a former client (I worked with Billy Martell). I filed for bankruptcy December 5th, 2012 during an exceptionally hard time in my life. The caring service I received from Billy, and all the employees I interacted with at Hoyes Michalos is so appreciated. Fast forward to September 2019 and my credit is not only clear of the bankruptcy notation, but with the credit counselling and advice I got, my credit score with Equifax is now 786!! which is in the EXCELLENT range. I can't thank Hoyes Michalos enough. To those just starting out on their credit improvement journey, keep at it, do what you're told and soon you'll be back on track to healthy credit and good financial habits. 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

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

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

Professional kind understanding and makes you feel important. They understand and do not judge. This firm explains the process so... Read MoreProfessional kind understanding and makes you feel important. They understand and do not judge. This firm explains the process so you understand what is to be expected. Your questions are answered and there is always someone at the firm to provide guidance. I am most grateful for their service
and I know I have chosen the right people. Thank you Hoyes, Michalos & Associates. 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

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

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

The staff were understanding and professional. I felt at ease talking to Heather. It is not an easy decision to... Read MoreThe staff were understanding and professional. I felt at ease talking to Heather. It is not an easy decision to go bankrupt but sometimes it has to be done. If your considering a company to talk to choose this company. You will finally get some peace of mind. Read Less

They made the process fast, seamless and stress-free. Highly recommend.