Hoyes Michalos – Reviews and Testimonials

Excellent staff. Very knowledgeable and helpful.

My dealings with Benny and Janette where very professional and put me at ease going through the Consumer Proposal process.... Read MoreMy dealings with Benny and Janette where very professional and put me at ease going through the Consumer Proposal process. It was a tough decision to make, but they have great customer service skills and were very kind and made me feel at ease. I highly recommend them if you are in position I was. 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

Excellent and professional!!! They make you feel up right and very good, in the whole process! I recommend them 100%⭐⭐⭐⭐⭐⭐... Read MoreExcellent and professional!!! They make you feel up right and very good, in the whole process! I recommend them 100%⭐⭐⭐⭐⭐⭐ Six stars! Read Less

I had researched about 8 different firms before choosing Hoyes-Michalos & Associates and found them to be among the most... Read MoreI had researched about 8 different firms before choosing Hoyes-Michalos & Associates and found them to be among the most honest ... Their level of expertise, professionalism and guidance was , in my mind, of the highest standards of excellence. I hold them in the highest of regards and most worthy of my highest recommendations...
I went in with their recommendations to declare bankruptcy which was against my first choice of a consumer proposal... Everything has worked out unusually well for me. Today I am debt free and a far better and aware manager of my financial resources...and I have healed myself from the trauma of catastrophic losses on 911. Read Less

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

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

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

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

  they quickly made me feel comfortable about consolidating my debt, which I was struggling with, I would recommend them to... Read Morethey quickly made me feel comfortable about consolidating my debt, which I was struggling with, I would recommend them to anyone in the same situation Read Less

I am so thankful to Hoyes, Michalos & Associates Inc, for all their help in getting my finances back on... Read MoreI am so thankful to Hoyes, Michalos & Associates Inc, for all their help in getting my finances back on track. Jason was great and he treated me with so much respect. He never made me feel bad about my situation. I highly recommend contacting him for financial help. They helped me regain my life back and I am so happy to be debt free again. Read Less

I was drowning in debt, living paycheck to paycheck, sometimes barely scrounging to get by. A friend recommended Hoyes, Michalos... Read MoreI was drowning in debt, living paycheck to paycheck, sometimes barely scrounging to get by. A friend recommended Hoyes, Michalos & Associates. From the initial consultation with the wonderful Sandra Sykora, to the counseling session to the final result, I am very pleased with the result. She was very informative and broke things down very well so I understood my options. Everything we talked about was also sent through email. She was always there with answers to my many questions in a very timely manner. I would highly recommend Hoyes, Michalos and Associates to anyone who needs financial help. Thanks again. Read Less

Alison at Hoyes Michalos really helped get me through the worst experience of my life. She is charming and... Read MoreAlison at Hoyes Michalos really helped get me through the worst experience of my life. She is charming and professional and makes what could be a very unpleasant experience almost enjoyable... Read Less

  I can’t say enough good things about them. They have helped me and taken all my stress away! Thanks guys... Read MoreI can’t say enough good things about them. They have helped me and taken all my stress away! Thanks guys and especially Benny! Read Less

I highly recommend the services of Hoyes Michalos Associates. I went to their Guelph office and was given helpful,... Read MoreI highly recommend the services of Hoyes Michalos Associates. I went to their Guelph office and was given helpful, honest, and useful advice. They helped me solve a long running financial problem and gave me a new lease on life. Each step was explained fully and I was given choices I never knew I had. Read Less

Brian and Courtney did an amazing job answering all my questions and laying out my options to get me where... Read MoreBrian and Courtney did an amazing job answering all my questions and laying out my options to get me where I am now - debt free and rebuilding my credit. I will tell everyone I know that has financial trouble to come speak to your team. Words cannot express my appreciation for their assistance getting me out of the hole I found myself in. Read Less

From initial consultation on my personal situation where all my options for debt relief were clearly outlined through the actual... Read MoreFrom initial consultation on my personal situation where all my options for debt relief were clearly outlined through the actual documentation and filing process, H,M&A and specifically Sandra Sykora - Licensed Insolvency Trustee were extremely supportive and very professional. All discussions were documented clearly, and suggestions on personal steps that should be taken during process were provided. The end result was the best situation I could have expected. Their work on my behalf is very much appreciated, and I strongly recommend Hoyes, Michalos & Assoc. for anyone seeking a debt solution. 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

My trustee was knowledgeable and efficient. He answered all of my questions and concerns effectively and in a friendly manner.... Read MoreMy 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. Read Less

  Great and professional service. They explain everything very clear to make sure you understand every step of the process. ... Read MoreGreat and professional service. They explain everything very clear to make sure you understand every step of the process. Also very helpful when it comes to playing monthly and for the future. Thanks for awesome service Read Less