Hoyes Michalos – Reviews and Testimonials

Hoyes,Michalos & Associates have been nothing but a lifeline for me in my financial mess. Each and every person... Read MoreHoyes,Michalos & Associates have been nothing but a lifeline for me in my financial mess. Each and every person I have met in their company has been upfront, caring and responsible in providing what i needed to know before any decision was made to resolve my financial issues. They have taken a great weight off my shoulders. Would highly recommend them to anyone who is needing another option for their financial debt. Read Less

I usually dont do reviews...BUT this one I had to do. I didnt read any other reviews thus far, but... Read MoreI usually dont do reviews...BUT this one I had to do. I didnt read any other reviews thus far, but all I have to say about this firm is that it is well run professionally. If there are any BAD reviews about this firm/establishment(s) is it false, and I can attest to that. Brett, the guy that took my case, was very prompt, HONEST, and professional. I really liked that he took the time to let me decide what I wanted to do, rather then be "pressured" to make a sale or contract to his benefit. I have been inquiring about his firm for well over a year, and still followed with me. The timing was right, and unfortunately covid 19 took its toll on me, and Brett was there to help out and give me a fresh start, while trying to minimize the damage as much as possible. I really recommend this to anyone looking to get out of debt! Yes there are some downs, but with this covid pandemic going on for at least a year or two before things are normal, take advantage and start fresh. Credit (at least for me) is not an essential right now, so clear the slate and take the new year in a positive financial way! 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

We were embarrassed to start the process and Rebecca encouraged us to come and see what they could do for... Read MoreWe were embarrassed to start the process and Rebecca encouraged us to come and see what they could do for us and to not be embarrassed. Well, we did just that they made us feel very comfortable with the process. A matter of fact most of the work was done by them. We would encourage anyone to give these people a try, you won't regret it I guarantee it. Today being our second and final counseling session Tina was very helpful in addressing our concerns. We're confident that the finalization of our case will be as smooth as the beginning. Read Less

We received exceptional service from the staff at Hoyes and Michalos Brampton location. Jason gave excellent advice and truly looks... Read MoreWe received exceptional service from the staff at Hoyes and Michalos Brampton location. Jason gave excellent advice and truly looks out for your best interest. He is professional and extremely knowledgeable. He addressed all our questions promptly and explained everything in detail. We would highly recommend Jason and his team based on our positive experience! Read Less

Scott and his team are fabulous and helped me a lot. Scott Schaefer is a great person to help people... Read MoreScott and his team are fabulous and helped me a lot. Scott Schaefer is a great person to help people through a dilemma. Thanks for your support Scott!!! Read Less

I would recommend Hoyes, Michalos & Associates to anyone looking for help, great team and friendly staff.

If I could give zero stars I would. Worst experience ever. No integrity

Edit: Its now 2021 and still feeling the... Read MoreIf I could give zero stars I would. Worst experience ever. No integrity

Edit: Its now 2021 and still feeling the ripple effect from these wastemen, a bank account that was to be closed(which was a lie) is still active to this day. Which I incurred the penalties. Make sure your documents are correct and exactly what they tell you. They wont divulge crucial information that can have a serious negative impact Read Less

The team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst... Read MoreThe team at Hoyes, Michalos & Associates was absolutely great with me. I'd just had one of the worst years of my life and thought I was never going to get out from under it. Howard & Patricia were compassionate and didn't judge me for being in the position I was in. They provided me with exceptional counsel and helped me to make the best choices for me going forward. For the first time in months I'm breathing easy and working towards building a better future for myself. If you need help, call them, this team will not only work with you to get you out from under your stress but will teach you how to avoid being in this scenario again. They're with you every step of the way. Read Less

I’m very grateful that I came across hoyes, Jason was very professional and did a great job to make me... Read MoreI’m very grateful that I came across hoyes, Jason was very professional and did a great job to make me understand step by step what was required of me. I would defiantly refer him to others. Thanks again!!!! Read Less

I was feeling trapped in my own dept, and looking for a solution. Hoyes, Michalos & Associates made the change... Read MoreI was feeling trapped in my own dept, and looking for a solution. Hoyes, Michalos & Associates made the change from overwhelming to a breath of relief for me. I am very happy with the outcome of my proposal and would highly recommend them as your team to help you out of a situation similar.

Thanks for all your help in my matter.
Jon 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

They made the whole process simple and were really friendly

they did not help me at all with my consumer perposal. they folded to the creditors and didnt even fight... Read Morethey did not help me at all with my consumer perposal. they folded to the creditors and didnt even fight for me.

would not recommend them. Read Less

My husband and I retired in 2013, we were not prepared. In 2014 after emptying one retirement fund we realized... Read MoreMy 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. Read Less

Extremely professional and knowledgeable team.
Sandra is incredibly experienced and the provided support is invaluable.

Hoyes, Michalos & Associates are very professional in how they understand, assess and provide assistance in debt management. Jennifer... Read MoreHoyes, Michalos & Associates are very professional in how they understand, assess and provide assistance in debt management. Jennifer Kwon, without hesitation, dove right in to understand my financial situation and immediately provided several alternatives to arrive to a solution towards the issues and creditors, making a positive experience overall. I highly recommend Hoyes, Michalos and Associates to anyone who has similar experiences such as I, since they have the expertise and the team whose reputation precedes them. Read Less

An excellent group of down to earth professinals who provide superb advice and service.

I was terrified to deal with my debt on my own, I had no idea where to begin. Sandra was... Read MoreI was terrified to deal with my debt on my own, I had no idea where to begin. Sandra was there for me every step of the way, with immediate responses to my questions and helped clarify every detail! Knowing that I could contact her at any time with any question helped my anxiety and gave me faith in the process. Today I am proud to say I am fully debt free and it feels surreal. I found the counseling sessions to be extremely informative and will carry this knowledge with me forever. Thanks to everyone on the team ! Read Less

Organized honest caring people. They get the work done quickly.