Hoyes Michalos – Reviews and Testimonials

My experience with Hoyes Michalos was outstanding . It was my first time filing for Bankrupty and right from the start , a video chat with Ted Michalos and a meeting with my Credit Counselor , Jamie Perks had me feeling at ease . I met with Jamie a few times over the 9 months of my payment period and each time I left her office feeling very impressed on how professional and helpful she was . I’m happy to say I received my Discharge in January and can now rebuild my Credit . I highly recommend Hoyes Michalos . Jerry Zamora

Amazing experience and great help! very friendly staff made this process easy.

I am so Thankful for all of Mark and Michele’s guidance. I would highly recommend them. Thank you for everything.

Tina was amazing today. She helped me through my second counselling session and gave me some helpful tips for when it comes to rebuilding my credit. Thank you to the whole team who has helped me through my bankruptcy and now my consumer proposal. You guys are awesome and very helpful when it comes to deciding what to do when it comes to debts and finances

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.

After having a difficult time with job loss, we struggled to make our payments. Debt piled up and with all the calls it has been very stressful time, I am so grateful I was referred to Hoyes, Michalos & Associates they helped us to take care of debt and gave us lots of information to help us through this transition as well as plenty of information for our future financial goals.

I first made contact two years ago with the Burlington office by email. After reading all the pro's and cons I decided to continue my own debt management course. As a senior, pride is a very hard thing to deal with...I was embarrassed and very secretive about my situation.
In Nov. 2018 I arranged an appointment with Billy and was surprised I wasn't made to feel Sub Human lol.
Billy was very helpful and professional each time we met.
This program has given me the opportunity I needed to maintain my livelihood and pay off remaining debts.
I also enjoy the informative News Letter and the user friendly apps like Gas Buddy.
I have a positive attitude as my journey to debt freedom progresses.

Thank you Billy and staff.

I was very apprehensive of moving forward with a consumer proposal, and Billy and the team at Hoyes made the experience comfortable and easy and left me feeling like I had a positive plan moving forward.

I’ve worked with this company twice now and nothing but a positive experience both times. Very knowledgeable, friendly and understanding.

My experience has been wonderful. Kristen has been wonderful to deal with!
and she was amazing. She went over and beyond to help me in my situation. As well as bringing to my attention the other options .
Hoyes and Michalos saved me
now I can breathe!

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!

I normally don’t leave reviews , but here it goes.
I wa financially rock bottom in my life. I thought I had no where to go. Someone mentioned to me that bankruptcy is an option. Eventually I went for it and I was told to see hoyes and michalos.
My experience with them has been nothing but spectacular. I have dealt with Jamie and Ted himself. I thought I would get the judged and scorned about my situation. It has been nothing like that , they have been more then supportive in every way. Jamie is always there to assist me every time I ask. I really feel like they truly care about my situation and they always ask if they can help me further. I’m super grateful that I went to them. If you need debt assistance make no mistake and go to hoyes and michalos

I’m so happy to have contacted hoyes. The stress reduction in my life has given me a positive financial outlook for my future. I wish I had started a consumer proposal earlier!! Everybody I’ve dealt with has been an amazing help.

It's been a great experience working with Hoyes. Very professional, there when you have questions and need them answered, learn alot through them aswell. 4 stars from me.

Maureen and her team were fantastic, and made the process completely painless. All my questions were answered quickly. What a relief to know that I had someone in my corner fighting for me.

I had my 2nd counseling session with Janette today and we followed up on my progress thus far. I was provided with some excellent guidelines to help improve my credit score, build my savings and track expenses. Janette offered me excellent tips to achieve short and long term goals in regards to saving and re-establishing myself financially. She took the time to answer my concerns and provided me with links to resources offered that will continue to assist me on my journey to financial freedom. Thank you for contributing to another great customer experience with Hoyes,Michalos & Associates!

Empathy, understanding and guiding hand - Scott Terrio from Hoyes, Michalos & Associates provided all three when I was looking for solutions when faced with financial problems. Scott explained how the process worked, recommended options and answered all questions with great patience. Thank you Scott for all your help, responsiveness and patience! Highly recommend Scott!!

I am very satisfied with the service I have received. The proposal process has been smooth and informative. My trustee is always available to answer my questions. I would highly recommend Hoyes, Michalos & Associates if you need to get out from under debt. They know their business and they are very pleasant and accommodating. Five stars!

Maryia Bratkouskaya has been amazing during my bankruptcy process. Truly amazing person and counselor!

I have no idea how all of the previous reviews gave such positive affirmations. They do not help with debt relief or debt counselling. They offer cookie cutter solutions and follow a template for every single person. My account should have been handled better and differently, but they just want you to sign so that they get paid. Have a look at form 47 that you signed with them, look at how much they get paid to give you absolutely no help. The famous line, I promise your stress level out of 10 will drop once you let us help you, I expressed in then end of my first meeting and again in my second meeting that my stress level did not go down, again no help with this. When people are facing financial hardship no matter what the reason or how they got there, we don't want to hear your advice from your father 40 years ago, irrelevant and a waste of time. How about you do some retraining on how to REALLY help people in these situations. After expressing my concerns with the service they offer a different credit counselor, wow thanks for going all out. If you are considering filing a consumer proposal be for-warned it appears as a bankruptcy on your credit file, Hoyes will tell you that it is because Credit Karma is American and they do not recognize consumer proposals. Every Canadian CC and every Credit Check I have ever had (rental property, Canadian bank loans, cable provider, cell phone provider and hydro/gas/water ) has gone through Credit Karma so beware of the B/S excuse you will be given. Extremely disappointed is an understatement, wish I could give no stars.