Hoyes Michalos – Reviews and Testimonials

My 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.

Rebecca Martyn @ Hoyes has been amazing for my family and I. She is knowledgeable, patient and kind. I am so happy I made this choice

Very professional and helped me understand everything that was happening. Friendly and out going definitely helping me out and drastically lowered my stress level.

Jason was able to get me to a great payment arrangement with my creditors. He is extremely professional and was patient with me! I am very grateful for his help

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.

So happy to have found this place when I was going through a terrible time. My primary contact was always quick and thorough in her answers to me.

I'm very thankful to Benny and his team for assisting me with settling my debts. I'm on my way to a new beginning. I was feeling very stressed and not sleeping well. My mind kept wondering how I was going to continue to cope with the calls and letters I was receiving. Once I spoke with Benny and he explained how the process works, I instantly felt a sense of relief. Benny and his team are very courteous, respectful and are very knowledge. If you or anyone in your family has not picked up the phone to call Hoyes, Michalos & Associates what are you waiting for?

It's weird writing a review for a company helping you file bankruptcy (and more), but the experience has been wonderful. Every single person I have interacted with has helped calm my fears, inform me about every single thing, and are always so polite and quick to answer/help. Sarah, Iliana, Vanessa, Natasha, and I'm sorry if I have missed anyone, but you are all so wonderful and beyond helpful listening to and answering my hundreds of questions. Thank you for all that you do!

Had a consultation with Ianina and she made me feel relaxed and at ease right away. This is a very stressful process and she was able to take the stress level down and make me feel better about myself and the whole process. Thank you. Amazing service! Could not be happier!

They try to help you in every possible way they can with counselling and giving you options to your issues. Follow up is great. Benny is a great person to talk to. I highly recommend them!

Over the years my and my husband's personal financial situation became more of a load that we were able to bare, however when Covid 19 hit and we weren't bringing in the same monthly income, we knew we had to do something to save ourselves from a worse situation in six months time. In came Hoyes! We have dealt with Mark at Hoyes in Barrie and aside from being informative, professional and responsive to our emails and questions, he has also been very personable, he speaks to us like humans not a number or a paycheck like some banks and other companies. He managed to make all our appointments thus far via Zoom and has been more than accommodating during these strange times. We have some follow up appointments with him to go over our budgets and ensure we are on the right path, and rather than that be a daunting experience or one where you would feel anxious or ill prepared, I actually look forward to it. He assists with both personal suggestions as well as proven results that are easy to understand, and are obtainable. We are very glad that we chose to work with Hoyes and that Mark is our Trustee! Highly recommend!

Excellent service and very professional !
I was very apprehensive, the team at Hoyes Michalos put my mind at ease and walked me through each step. Thank you all so much and a huge thank you to Brennan!

I was hitting rock bottom with debt and reached out to Hoyes Michalos & Associate and spoke to Rebecca she is very understanding and makes you feel comfortable, I would definitely recommend her to family and friends.

Fast easy and mind easing. Is a weight off my shoulders to be able to repay a debt during a difficult time in my life. Better than filing bankruptcy, the staff are knowledgeable, friendly and accommodate to your needs. Yes I would 100% recommend Hoyes.

First of all I was having 30% garnished wages off of each pay cheque. I was losing money ! I decided after doing research to do a consumer proposal and it started June 2019 . I am glad to say I finished January 5, 2022. I paid it off in half the time . My credit took a huge hit . Once I was in my consumer proposal I paid $75 bi-weekly and it was so much more manageable . So thankful for this opportunity and I didn’t have to declare bankruptcy. I got approved for 2 credit cards , 2 loans while in a consumer proposal. You have 5 years to complete your consumer proposal. I suggest paying it off sooner. It stays on your credit report for 3 years . The key takeaways from my experience. Making your payments on time , don’t use more than 30% of your credit , if you don’t have the money don’t buy it , save your money . Thank you Hoyes for helping my financial future . If you’re hesitant I say go for it as it helped me and the payments are very low in comparison to consolidation and bankruptcy.

I had a wonderful and easy experience working with Jennifer and her team at Hoyes, Michael's & Associates. I highly recommend using them if you encounter any debt difficulties.

Very good service. Patty was amazing they help you understand fully the difference between a proposal and a bankruptcy. They are a legit company. Friendly staff and compassionate. Very experienced and will help you work through your budget to save money.

Life changing experience by using the services from Hoyes, Michalos and Associates. Their staff in all departments helped me along the way through my bankrupcy and becoming debt free. All of my questions, concerns and worries were addressed over the past year and I am very happy with the outcome and my new lease on life. A huge weight off my shoulders and I have been given a second change. Great staff and would recommend their services to anyone in need of help or guidance with dealing with personal or business debt.

I had the pleasure of working with Mark. I monopolized hours of his time asking questions and never felt rushed. I work in the law field and had a general understanding of the process but to say he was completely transparent is an understatement. I was very skeptical of dealing with a trustee as I have heard many horror stories. Mark made the process a complete breeze. I am so thankful for the fresh start . Thank you for everything.

I went trough bankruptcy 2 years ago and thanks for the help of Hoyes lawyers today my financial security looks better. Thank you 🙏🏼