Hoyes Michalos – Reviews and Testimonials

I met with Allison. She was absolutely wonderful. She made me feel very comfortable during the whole process and not... Read MoreI met with Allison. She was absolutely wonderful. She made me feel very comfortable during the whole process and not ashamed which I was afraid of. She answered every question I hade and made me feel at ease. I am not so stressed out when thinking of my debts, instead I am now assured that everything will be dealt with. I highly recommend using Allison Petrie!! Read Less

Struggled with debt since forever. This was compounded over the years by 3 significant relationship endings. Past the... Read MoreStruggled with debt since forever. This was compounded over the years by 3 significant relationship endings. Past the age 50, had more than $35,00 in consumer debt and was never going to get that paid off. Was giving creditors $1,100/mth in payments, then borrowed some of it back for living expenses. It took 6 mths to decide to make an appointment and then another 2 mths to decide to move forward with a consumer proposal. IT WAS THE BEST DECISION I COULD HAVE MADE. Brendan was very helpful and kind. Shannon was amazing and supportive. My last meeting (2nd credit counselling session) was with Maureen and she and I had great discussions as we covered many areas of areas of personal finance which left me with tons of optimism. Everything has changed for me, for the better. I should have done this years ago. Read Less

Scott Terrio- absolute legend. Doug Hoyes- absolute legend. If they could share the Prime Minister role, our country would be... Read MoreScott Terrio- absolute legend. Doug Hoyes- absolute legend. If they could share the Prime Minister role, our country would be in a better place. I'll settle for them helping me sort out my financial situation and moving forward in life. Read Less

Like many people before me and probably many more after me I had an insane debt I couldn't handle. Collectors... Read MoreLike many people before me and probably many more after me I had an insane debt I couldn't handle. Collectors calling my cell phone and even my work. It didn't matter what I told them, they just wanted me to pay what I could not afford. I was already living paycheck to paycheck and just trying to make payments into any of my debt made it hard. It made me fall into the endless cycle of payday loans. Trying to pay those off as well as other debts became impossible. I was under so much stress from not knowing what to do I was physically sick from it.

After doing some research and figuring out I had 2 options open to me, consumer proposal or bankruptcy. I did a web search after hearing all sorts of ads on the radio about Licensed Insolvency Trustees and what they can do. I ended up choosing Hoyes, Michalos & Associates Inc. for two reasons. First the reviews I read helped me decide. Second, they wanted to help me more than I wanted to help myself. Like many I was trapped. I waited until I was in way over my head before I did anything to fix my situation. I would definitely recommend them to anyone who has any sort of financial issues. Be smart about it, if you need help ask the right people before you get too far in over your head. Read Less

Sandra helped me cut my debt in half. I highly recommend contacting Hoyes Michalos if you are drowning in debt... Read MoreSandra helped me cut my debt in half. I highly recommend contacting Hoyes Michalos if you are drowning in debt payments. Don't hesitate! Read Less

Hoyes, Michalos & associates were very helpful. They provided me a solution to get out of my debt with a... Read MoreHoyes, Michalos & associates were very helpful. They provided me a solution to get out of my debt with a very reasonable payments. They also gave me great advice on rebuilding credit and sent me all the info I needed. They went above and beyond to make sure my experience was easy going. I would definitely recommend them to any one that needs help with their debt. Read Less

Benny Mendlowitz is an excellent licensed insolvency trustee, he has a very calming, non judgemental presence and is incredibly knowledgeable... Read MoreBenny Mendlowitz is an excellent licensed insolvency trustee, he has a very calming, non judgemental presence and is incredibly knowledgeable in his field. I specifically sought out Benny because of the many great reviews on here and I am happy to say that they are all accurate. Read Less

The Windsor team is responsive and genuinely care about the process involved. Angela was very responsive helpful and friendly service... Read MoreThe Windsor team is responsive and genuinely care about the process involved. Angela was very responsive helpful and friendly service through the entire process. Read Less

  I was terrified about how much debt I’m in and that I was going to be taken to court and... Read MoreI was terrified about how much debt I’m in and that I was going to be taken to court and stripped of every cent, but Hoyes Michalos set my mind right. I am now in the process of filing a CP or bankruptcy (depending on what my decision is) and am happy to say that I’m feeling a lot more comfortable about doing so. Read Less

Hoyes made it super easy to go through a time like this. They were informative and supportive. The employees are... Read MoreHoyes made it super easy to go through a time like this. They were informative and supportive. The employees are super nice and understanding. Read Less

Rebecca Martyn and staff at the Windsor office proved to be very efficient, professional and most competent while guiding... Read MoreRebecca Martyn and staff at the Windsor office proved to be very efficient, professional and most competent while guiding us through the consumer proposal. She was exceptional at communicating and explaining the information and process. The expectations she presented to us were always met and on schedule. We are most happy and appreciative for the support that we received and would highly recommend Hoyes, Michalos & Associates. 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

I was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my... Read MoreI was extremely satisfied with Hoyes, Michalos & Associates. They were able to get me a consumer proposal on my debt which has in turn provided me with a better outlook on the future and lift a huge burden off my back.
It was a pleasure working with them as well. The staff are extremely kind, friendly and very good at their jobs. I especially like the credit counselling as well as it motivates you to make better money decisions and gets you excited to start saving again.
I highly recommend this team to anyone going through debt troubles. I'm glad to have chosen them to handle my proposal. Read Less

Hello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They... Read MoreHello our experience," my wife and I" with Hoyes, Michalos & Associates was both informative and respectful. They made us feel calm and took care of everything with a professional approach. We both were very happy with their service to us. 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

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

The team went above and beyond! My experience was nothing but amazing with them. I would recommend to anyone in... Read MoreThe team went above and beyond! My experience was nothing but amazing with them. I would recommend to anyone in hard financial times to get in touch with this team. I am forever grateful to them Read Less

They sure didn't help me. And took $600 from me in the process. My credit counsellor didn't even have the... Read MoreThey sure didn't help me. And took $600 from me in the process. My credit counsellor didn't even have the right info which made the whole hour completely useless. Just in case, go somewhere else, ANYwhere else. This business has obviously changed since all the 5-star reviews. And keep in mind a lot of people will be too embarrassed to review a business like this. Try somewhere else first. You won't regret it. Read Less

I have had one of the best experiences. Brett is very knowledgable and takes the time to explain everything to... Read MoreI have had one of the best experiences. Brett is very knowledgable and takes the time to explain everything to me. It takes a few minutes to get your life back on track. Read Less

The last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could... Read MoreThe last installment on our proposal was on Monday. Everyone at Hoyes was ultra professional, friendly, and accommodating. We could not have been in better hands, although I wish to never see them again LOL! Thank you to a great team. Read Less