Hoyes Michalos – Reviews and Testimonials

Sandra is incredible. Every step of the way, from the very first call I made, to every phone call and zoom meeting to get my consumer proposal started and finalized, I felt supported, my questions answered, I was guided through the process, being met at the level I was at. I went from making minimum payments of over $2000/month knowing I'd be drowning in debt for decades, to making interest-free payments of $700/month knowing I'll be debt free in exactly 5 years. It's not an exaggeration to say my consumer proposal has changed my family's life, both immediately as well as for decades and generations to come, and that Sandra and the entire Hoyes team made it easy and worry-free. I can't thank you enough.

I would recommend highly the services here in Barrie. Mark and Michelle have made me feel so comfortable at a time of discomfort in my life. They both put me at ease and have helped me to rebuild my financial start to recovery.

Professional and empathic, Hoyes Michalos helped me through a really challenging time in my life. They were respectful and helpful throughout the process. I am grateful to them for their help and guidance.

Jason has been incredibly helpful, supportive and transparent about the whole process, he has taken a huge burden off my shoulders and is helping me achieve financial freedom after many years of being dogged by creditors. I went from knowing close to nothing and being completely overwhelmed about how to begin to get out of my financial crisis to having a firm solid plan and having an end in sight in just 30 mins. I highly recommend this firm and its associates to anyone seeking help with their financial problems. Thank you Hoyes, Michalos & Associates and thank you especially to Jason you've given me my life back and you've given hope where there was none.

Maureen and Brennan did a phenomenal job at helping me find a solution during a very stressful time of my life. They were very personable, professional, understanding, and attentive. I'll recommend them to anyone considering similar services!

Hoyes, Michalos & Associates, were extremely helpful every step of the way when I filed my consumer proposal. They walked me through every step and were available by phone and email to answer any questions I had during the process. Benny, Janette, and the rest of the North York staff put me at ease and made this process very easy. I researched a lot of agencies and I am happy that I chose Hoyes, Michalos, & Associates.

Very personable and go over everything in detail. Always available to answer questions and offer helpful advice

If 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.

About a year ago I found my self with my back against the wall with all the debt that I had at that time. I decided to google and find a trustee and decided to go with Hoyes Michalos. Booked an appointment and visited their office and spoke with Benny. He explained everything in detail and made me feel comfortable and confident about making the right move at that time. I got excellent counseling and guidance which lead me to be debt free just one year later! They have excellent customer service and they are supportive and knowledgeable. I definitely recommend Hoyes Michalos & Associates. Benny, Jannette, Joanne and everyone else who helped me throughout this year, THANK YOU!!

Jamie in the St. Catharines office has been incredible to deal with. She's professional, informative, helpful and there whenever a quick reply is needed. The staff put my fears to rest immediately upon contacting them. Thank you, Hoyes, for being there to help

Straight 5 stars! Hoyes, Michalos & associates has changed my life. I just got back the amazing news about my consumer proposal and im wiping my tears as Im currently writing this! I was struggling so much about my debt I would wake up worried about money and go to sleep worried about money. I had anxiety all the time, it was ruining my life. If this sounds like you please please pleaseee contact them, You will not regret it! Nicholas and Diana are the people who helped me, but the whole team is spectacular. They are kind, professional and So patient with me, which I really appreciate. Thank you so much Hoyes, Michalos and Associates I am forever grateful!

Hoyes, Michaloes and Associates are great with helping you with your financial difficulties. Jason has been a great help and has been there every step of the way. Jason as well as the company itself is professional, trustworthy and just great to deal with. 10 out of 10 recommend Hoyes Michalos & Associates.

Billy made me feel very relaxed and comfortable during my proposal. He is very professional, compassionate, friendly and kind and answered any questions I had. The office staff is very friendly as well. Thankyou for making this experience easy and less stressful. Thankyou for all your help and for listening. I would recommend his office to anyone.
Judi

It is never an easy decision when considering to contact an LIT. Thorough one of the hardest times in my life I had decided that this would be the best route to get be back on track and to prepare myself for the future.

Nicholas was extremely helpful in understanding my situation and guiding me through the process. I felt confident that he had my best interests in mind and that he was truly there to help me. Whenever I had questions he would always provide very detailed information to give me assurance through it all.

Thank you Nicholas and team for helping me with a fresh start. My family and I greatly appreciate your dedication to your work.

With creditors breathing down my neck, I put my pride aside and rushed to make an appointment at Hoyes, Michalos & Associates thinking bankruptcy was the only way. Benny and Janette were incredibly reassuring, knowledgeable and to the point about what my options were. They helped me negotiate with my creditors so I only had to pay a fraction of my debt, and they gave me the fresh start I needed to start rebuilding my credit. The last 2 years of my life have been incredibly stressful so I can’t thank them enough for lifting this burden off my shoulders!

Diana and Nicholas were very helpful while helping me file for Consumer Proposal. They answered all my questions with respect, even repeat questions, and this made me feel fully supported throughout the process. Thank you so much for kickstarting my financial literacy with useful information. I feel confident enough to make better choices starting now.

I would highly recommend Hoyes Michalos and Associates. Jason and his team are amazing to deal with. He is very quick, understanding and explained everything in great detail. I feel so much better about my financial situation after speaking with him. I never once felt pressured or judged. If you are struggling give him a call, it was the best decision I could have ever made.

They have been very friendly and helpful from the beginning. I feel a huge weight off my shoulders, not only because of me debt relief, but also because I feel more financially literate. Ive suggested their services to a few friends of mine also.

I highly recommend Hoyes!
Mr. Benny and his team are incredibly professional and super helpful at what they do. Their friendliness and ease of service is above and beyond expectations!

Patient, friendly, and forthcoming, though I recommend checking all figures, offers and every relevant aspect of your file so you get the best value for your proposal as the offer was somewhat flexible, so ask questions. This service was excellent though.