Hoyes Michalos – Reviews and Testimonials

Amazing people kind friendly caring people never make you feel bad for the situation I was in walked me threw everything in great details and are there for anything pick up the phone and they are there i recommend them to everyone that needs help

Jason and the team were great! Patient and helped me though the whole process. Should have done this much sooner. Thanks guys!!

Reliable, trustworthy and professional. Don't look too much for debt relief experts. They are the best in the market.

I called Hoyes, Michalos and Associates to help me with my debt. I spoke with Benny and he really helped keep me at ease. It was very stressful but he managed to be supportive and addressed all my concerns with patience. Very happy with the service provided!

I want to thank Brett for making this process extremely easy. I’m very happy with the outcome

I highly recommend Hoyes & Michalos, no judgement, Kind courteous and professional , straight to the point in every way. I personally dealt with Brian and I'm truly indebted to his insight and no-nonsense approach , he turned a very stressful and what seemed a no-win-scenario into here's the plan and this is how we get you back on top. I am back on top and winning now, love these guys.

Jeff S....
1/30/23

Amazing...Diane went above and beyond...kept me updated every step of the way...Resolved issues that arose years after file was closed...Highly recommended 😁

My experience has been excellent 👌 I highly recommend Hoyes, Michalos I have used there services twice and learned alot from this organization. Appreciate the follow up emails and suggestions on how to manage money I have applied some of these skills and Happy to say I'm now Debit free ...if your feeling stressed about your money situation please contact these Associates to ease your mind and get back on track! You will not regret just follow exactly what they tell you 💯👌

Hoyes,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.

Despite it not being a good thing I was there for, working with Nicholas from Hoyes was a great experience! It has been the best thing I have done this past year. Nicholas was always very helpful and provided me with a lot of knowledge and support throughout the process. I even recommended my friend to him as well! For anyone looking to get their financials in order, this is the place and the people to work with!

The entire team at Hoyes, Michalos & Associates have been extremely helpful with providing me with all the needed information and processes.
The staff have been friendly, responsive and understanding. Would recommend them 100% and I am giving them high praise for being so good in dealing with all the concerns and issues.

They made an extremely difficult decision seamless...every single step of the way of this process I felt supported...and they provided sound nonjudgmental advice which made the whole experience so much easier. I highly recommend Hoyes, Michalos & Associates - Oshawa.

I cant thank Ted Michalos and his entire team enough!
After going through a horrible divorce and was left in a hard financial situation..

I originally had a meeting with another 'company' out of Kitchener. And after that initial meeting I left in tears.. I was more upset, confused and left feeling like I had no way out. Feeling like nothing could help my specific situation...

But then I heard a pod cast for Hoyes Michalos and Associates that night and decided to make the call to see what they would say.

I spoke to Ted directly over the phone who reassured me instantly, apologised for my experience and set up an appointment.
Not only were they able to help the guided me through the process they did it with care and consideration.

I cant thank Ted, Cyndi, Meg and the entire team enough!

I am in such a better financial place now with the help of Hoyes, Michalos and Associates

Hoyes, Michalos truly cares to help their clients!

Just make the call.. they will guide you help you!

The 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.

I was living pay cheque to pay cheque and struggling. The stress I was dealing with was affecting many aspects of my life in a negative way, I finally turned to Hoyes , Michalos & associates. This was the best decision I have ever made, Jeff and Alison are amazing people to deal with, they are so understanding they explain the process in a way that I completely understood, I wish I had done this year's ago, my life has changed so much for the positive and I'm stress free. I highly recommend Hoyes , Michalos and associates, if you are struggling like i was PLEASE call them because you WILL get your life back!!

I had a great experience, filing my consumer proposal here. Other than the initial signing with documents, Everything can be done digitally, which is a big help for me as somebody who works from home. I remember in our first interactions they were very helpful and taught me a lot.

I was a client of Hoyes & Michalos about 5 years ago and I finished my consumer proposal about a year ago. It was the absolute best decision I have ever made. This program saved my life. it gave me back my marriage, my friendships and my relationships with my family also. I appreciate all that they did for me, they gave me a voice to explain to others that there is hope out there. They don't have to suffer alone with all their debt. I have an excellent credit rating now. I currently owe $350. on my credit card from Xmas that I will pay off in full this month. This program literally changed my life in every respect. I now live on my budget that came from Hoyes & Michalos. I will never go back into debt again. I can't thank this company enough for all they did and a special thank you to Joel Sandwith for all he did and the little hug he gave me afterwards sealed the deal. Many many thanks. Sincerely Shel :)

This company is AMAZING.
I was drowning in debt, and I'm 26. This was from school loans, my car payments, insurance, groceries, credit cards, my cellphone and more. I wanted a fresh start, and as many people know - its not fun asking for help for your finances, especially when you're in the negative.

I contacted Hoyes for a consultation, by the way ITS FREE! And the initial call is what gave me the first good impression. The woman who I would speak with at reception was so pleasant and very patient. She set me up for a meeting with Scott later that week. Scott was fantastic, he listened to everything I was going through, didn't judge me for a second, was motivated to help me get a fresh start, and took the time to run through all of the options with me and was very patient about it.

I then was directed to Diane, who was the cherry on top of this experience. She is awesome, and very welcoming and friendly. She was the one to help me with the details of all of the debts I incurred. She immediately contacted the credit bureaus and the phone calls and pestering stopped. She dealt with all the stress and headaches of my debt. She checked in with me a few times to assist with credit counselling and budgeting. She's been a wonderful help to me and was able to get my 30k debt down to 6k. I've been fortunate this year with CERB/CRB to pay these debts off in full - however this decrease in my debt, no interest building on it during the 5 years, and my credit has increased HEAPS! She also told me that the credit counselling is fully included in their price (thats included in my 6k) and can be used whenever, even though I'm finished with my payments, I'm still going to reach out if I need help with finances or budgeting in the future.

Thank you so much Hoyes! Your entire team has shown incredible service quality and work ethic and I couldn't be happier with my outcome. Y'all rock!

Like so many others, I thought I could scrape along and dig myself out from under my debt. I finally got to the point where I was doing everything I could and still wasn't getting anywhere.

I screwed up my courage and called Hoyes. I was connected to Scott Schaefer, and by the end of our conversation I could see some blue sky and sunshine on the horizon. I am so very grateful for his hard work on my behalf!

If you are walking along the pathway I was on, do yourself a favour and make the call. There is hope and help out there. I'm proof of it.

I'm very grateful they were able to help me with all the debts I had, especially Brett and Janette!!! Incredibly patient, friendly and understanding. I would definitely recommend this company for your financial needs!