Hoyes Michalos – Reviews and Testimonials

My experience here has been incredible! I had a lot of anxiety and put off dealing with my debt for years. Jason has made the experience easy and stress free. He answers any and all of my questions quickly and kindly. These trustees are a great choice for helping find debt solutions for you!

I was panicking on how I was going to get ahead when everything was just making it but would never get ahead. I approached Ian and I must say I sense of relief faded and began to breath normally again. I truly recommend Ian he has a way of making you feel very comfortable and understanding.

I have had a great experience so far. Very professional. Did a great job at educating me on my options.

Are you drowning in debt and need a fresh start like me?

Then you NEED to book a call with Joel from Hoyes, Michalos & Associates to talk about a Consumer Proposal.

Joel and the team are friendly, great communicators and have removed YEARS of bad debt from my life.

After years of struggling to keep up, there is no better feeling than having a fresh start.

My only regret was that I didn't start the process earlier!

  Excellent organization. Provided amazing guidance and help through my proposal. If you're going through difficult financial times look no further. Awesome people!

I was experiencing paying 2000 a month in credit debt..like a ball and chain..
I got myself into trouble and faced paying off credit the rest of my life
These guys saved me and my debt depression is gone..affordable payments and also they care about YOU ..call them and stop worrying

Extremely knowledgeable, helpful and courteous. I was happily surprised. And now I have so much stress taken off of me.

I recently filed a consumer proposal with Doug Hoyes from Hoyes & Michalos & Associates. Doug was extremely helpful, knowledgeable and thorough throughout this stressful process.

I am very optimistic about the future of my finances now thanks to Doug.
I would recommend anyone who needs to file a consumer proposal to reach out to him for professional assistance

This is the second time I've used their services to help me with my debt. First in 2010 and now more recently. Both times have been pleasant and friendly experiences. I highly recommend them for your debt needs

Brian has been very helpful and patient with his service. He took the time to answer all questions and concerns I had when making such a huge step to move forward financially, he gave reassurance when necessary. I recommend Brian for any financial troubles you may be having.

they 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.

What can be said. What seemed so daunting turned out to be a miracle solution in the form of a Consumer Proposal. Jason was a champ, being completely non-judgmental and confident. Do not hesitate to call them if the pressure is mounting. You'll be forever grateful you did. 5☆

I can’t even put into words how happy I am that I chose Hoyes, Michalos and Associates to assist me with my proposal. They are caring, professional, understanding and always have my best interest.

My experience has been top notch with trustees and staff. Brett Nichols and Janette Martin have been friendly and knowledge.

I was struggling with the debt and reached a point where I could not catch up with the bills (and heavy interest). Soon, creditors' letters and phone calls started coming, and later a dreaded letter about the court date.

Joel and the team have helped me get my life on track. Joel is very courteous and showed sincere empathy for my struggle and pain. After reviewing my situation carefully, he provided me with the best option.

I highly recommend Joel and the team. If you are struggling like me, it's worth giving them a call.

Never experiencing this before I’ve found the website of Hoyes, Michalos very educational and helpful. During the first interview at their North York office, the trustee took his time to explain the process and provided a written preliminary paper with various options.
Applying with Hoyes was a lot easier than I thought and a huge weight off my shoulders. The service has been very professional and friendly.

If you want to ease your mind and get a good might sleep call. They are so friendly and so easy to talk to. They make the process pain free. Thank you so much for all you have done for me.
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Best thing I have ever done was make the call to Hoyes, Michaelis and associates. The feelings of anxiety and embarrassment were quickly washed away from the moment I spoke to Howard. He was full of knowledge and empathy. I was thoroughly informed as to my options and made the best decision with guidance that I trusted completely. My follow up with Patricia was so helpful ..... It gave me hope for my financial future. I cannot recommend this company enough if one is considering doing a bankruptcy or proposal.

They really care about helping people, and have a great deal of experience.

Extremely quick to act on your behalf. Responsive, informative and non judgmental.