Hoyes Michalos – Reviews and Testimonials

Benny 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.

Very professional and responsive to my situation. Put me at ease right away and didn't talk down to me but talked in terms that I could understand.

I was in a relationship that ended after 12 years, and it left me homeless and in a lot of debt. My daughter and her husband gave me a place to stay until I am able to get a place of my own. I attended a meeting with my daughter and Hoyes,Michaols & Associates at their Windsor office to discuss how to get help with my debt. We were given a free consultation on what I can do to help my self. After about one half hour I came away feeling that I was on the right track. When we left the building my daughter said I think we have finally met an honest person .

Just want to say thanks a lot to Jennifer Kwon for helping me with Consumer Proposals. This has changed my life significantly. She is very professional and caring. Thanks again.

Excellent service. Guranteed. No hidden charges. Amazing dependable.quite satsfied

Cannot thank them enough for their excellent advice and courteous manner!!! Absolutely no judgement on their part. Wish I had contacted them sooner!!

I recently found myself swimming in credit card debt feeling overwhelmed and depressed. An online search brought me to HMA Windsor and Rebecca was fantastic. Totally professional, nonjudgmental and knowledgeable...I am now on my way to living debt free. I laugh more and sing while I cook. She's brought happiness back to my life! I highly recommend HMA Windsor to anyone who is struggling with debts!

This company has made this process such a painless transition. Every woman has been amazing!! If you are facing financial difficulties. Call them! They are a very caring & helpful team. They are first rate, lovely ladies who know their stuff!! I'd just like to say thank you so much for help me through this very difficult time of 2020.

THE CONSUMER PROPOSAL OPTION IS NOT WELL KNOWN TO THE PUBLIC AS A RELIEF OPTION FROM BEING OVERBURDEN BY CREDIT. GOOGLE THIS OPTION THEN SAVE YOUR TIME AND GO TO HOYES, MICHALOS & ASSOCIATES. YOU WILL BE TAKEN CARE OF IN A PROFFESIONAL STEP BY STEP PROCESS.

The 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.

My Trustee was Sandra Sykora she was clear and direct and always checked in that I understood what she said. Which calm me down enough to laugh a little. I love how I got an email follow up from the consultation, and each follow up counselling sessions. Every detail was clear and given to me in paper format and in email format. Plus the blog really helped me picture the process from start to finish and it even got me to think it's possible to own my first home. Really happy with the office location for Yonge and Bloor

I am a former client (I worked with Billy Martell). I filed for bankruptcy December 5th, 2012 during an exceptionally hard time in my life. The caring service I received from Billy, and all the employees I interacted with at Hoyes Michalos is so appreciated. Fast forward to September 2019 and my credit is not only clear of the bankruptcy notation, but with the credit counselling and advice I got, my credit score with Equifax is now 786!! which is in the EXCELLENT range. I can't thank Hoyes Michalos enough. To those just starting out on their credit improvement journey, keep at it, do what you're told and soon you'll be back on track to healthy credit and good financial habits.

Best Decision I Ever Made to Get My Debt Paid with A Consumer Proposal. Without the Help of Hoyes,Michalos & Associates Inc. I never would have been able to do it.

I was facing a financial hardship and when I found out about Hoyes, Michalos & Associates they have helped me alot. Thank you for our representative Benny that helped us a lot through the process step by step and made our life easier on dealing with our financial issues. We were able to deal with our issues much easier and less stressful than before. All thanks to Benny.

Professional & on time when it comes to video call conferences, highly recommended if you want to take care of your debt!

Navigating the complexities of mental health challenges and the difficulties they introduce into one's life is an ongoing battle—a battle often fought in silence and solitude.

Eventually, the silence becomes unsustainable as the pressures of life begin to overwhelm. My financial instability reached a point where it precipitated a rapid decline in my health and well-being. The fear of losing everything loomed large, not for my own sake, but for the impact it would have on my wife of two decades.

Each day was a mire of shame, guilt, and despair.

It was when I sought assistance from Hoyes during this financial tempest that I was greeted with warmth and understanding. The empathy they showed me was profoundly sincere.

The professionals at Hoyes approached me with respect and dignity, transforming my despair into a drive to reclaim my life. They provided guidance and negotiated a viable plan with my creditors, lifting a burden that felt as heavy as the weight of 100 cars from my shoulders. They offered a payment strategy that was realistic, especially critical for someone in their 50s, aiming for a debt-free existence.

Hoyes was a beacon of hope in my darkest times, and my gratitude towards them is boundless. To this day, their team continues to treat me with consistent respect and dignity, embodying a set of morals and values that genuinely support those facing financial hardship, reassuring them that everything will be alright.

For anyone struggling financially, I assure you that reaching out to Hoyes for a solution will significantly improve your life. Their support and guidance can help you navigate through debt and restore balance to your life.

My heartfelt thanks to Hoyes.

One of the easiest and painless experiences ever! ... Billy explained everything very well, answered the questions I had, and has answered any questions I've had since. I feared it would be scary and take so long, but HM&A made it super duper easy, and stress free. HIGHLY recommend these lads for anyone considering Consumer Proposal. I have no regrets at all with my choice, best decision all around I've made in regards to my financial situation.

My experience with this company has been top knotch. I highly recommend using their services if you feel like this is the best option you have.

The pandemic really took a toll on my life financially so I needed to get myself out of a deep hole. I am glad that I found this company after doing extensive research.

Jason Quinney has helped me out a great deal and has been nothing but professional. Ask for him if you need any help taking care of your finances.

Booked an appointment and talked to Howard regarding my debt and he is very accommodating and he explained everything and all necessary options i have as well as all the staff are very helful and friendly and everyone helped throughout the process..great group of people to talk and ask for help.

I was hopelessly in debt to the fact that I was having a hard time paying my rent. I expressed interest in getting help with this. Alison called me back and there was a huge load taken off my back. They took care of my debts and showed me how to keep out of the same traps that got me there. Jeff and Alison know their business and helped me get on the right path. Thank you both.