Hoyes Michalos – Reviews and Testimonials

Phenomenal experience. Authoritative and helpful, which is exactly what you'd want in such a service.

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!

We didn't know about a consumer proposal until we read about it on one of Hoyes, Michalos & Assoc. websites. If you want to be treated with dignity and not made feel you're a bad/unresponsible person speak with one of the team members. With us it is Mark -- a fabulous person. He explains everything so we understand. He's so kind and knowledgeable. We are happy now that we have a structured plan to deal with our finances. We are working towards paying off our debt with an amount that fits our budget. And we can call anytime if questions arise. So if anyone needs debt free help we can't stress enough to get help from Hoyes, Michalos & Assoc.

The process was simple and the people were pleasant to deal with. The counselling sessions and monthly budgeting were very useful. The time flew by and it was well worth it in my situation. I would recommend this company.

Sandra, from Hoyes, has been incredibly helpful in helping me overcome my debt. She was patient and responsive and assisted me every step alon the way. I am in a much better place now.

Great firm , simple, easy and effective. Other firms could be cheaper but hoyes is sure to help and get a better guarantee.
Nice and communicative staff ,
Jennifer was surly a positive energy that made the process seamless.

Thanks for the service

Great experince i had with them at first i was unsure what to expect but they were so friendly and was able to help me with everything now i have a big weight off my shoulders.
Jennifer kwon was so helpful and always repied to my messages
Highly recommend her.

Nicholas had an impressive level of professionalism, knowledge. He created a great case for my proposal, knowing how to best deal with the banks. I got my consumer proposal approved in the 1st attempt, and getting back my sleep and my mental health back on track with easy affordable monthly payments. About two thirds of my debt dissappeared into thin air overnight.

Cyndi and Ted at the Guelph office were very helpful, thorough and well-informed. They answered any questions we had and went over all our best options. I highly recommend using the Guelph location for your insolvency needs. First class customer service.

The council I received from Maureen was very thorough and helpful. Her kindness and warmth shone through, I never felt judged. Working with Maureen gave me peace of mind and lifted a huge weight off my shoulders. Her counselling sessions were very informative and set me on a path to succeed in my financial goals by changing my budgeting strategy so I can succeed.

It's hard for me to say I need help. Pride? Idk, but this firm was very helpful with advice and guidance. I never once felt ashamed or embarrassed. The relief I felt afterwards was awesome.

Jason was amazing in helping me out. Made me feel more at ease with making my decision. I recommend them for any help you may need.

I spoke with Joel, and he was super helpful getting me through my credit debt, and was always able to answer my questions! I highly recommend reaching out if you are having issues with debt. I was someone who was so embarrassed about having debt, but after speaking with Joel he didn’t make me feeling horrible about it, he wanted nothing more then to help me!

I have been with this company for my 5 yrs. the experience was hard for me and I was a mess by the time I made to their office. They kind and thoughtful and walked me through the whole process. I will forever be thankful for all they have done for me. I would definitely recommend this to anyone

If you’re drowning in debt, and you need a life line, make the call, I did. Hoyes & Michalos will make a difference!

  Such a great experience. when life got tough these guys helped me so much. Thank you Michelle and Mark. great team

Scott and team gave me to opportunity to start fresh with my finances after a rough time after I lost my job after Covid! A special thank you to Scott for all the info he gave me to ensure I made the best decision for me. I highly recommend to anyone who feels like financial freedom is impossible! Make the call!

I couldn’t be happier with my decision to go with Hoyes, michalos & associates they helped me get through my debt in a way that brought a little peace of mind to the table worked with me no matter what my situation was at the time definitely recommend the team at Hoyes thank you everyone

Brian is easy to talk to, very knowledgeable and helpful. If you're looking for someone to help with your financial troubles and make a plan moving forward, Brian is the one to call. I am very grateful for his time and advice.

Congratulations to me, and all thanks to MRS Kelly Robert she never stop doing miracle's. I was so shocked and amazed the very moment I received my second profits in my Bank account this is wonderful. indeed good work deserve great recommendation, after my first profits I had to reinvest my $600 in his company, which after 5working days I got my second profits of $5,100, I'm very excited, may God continue to Bless you. Anybody in search of a professional and trustworthy forex expert do not hesitate to contact Kelly Robert now via WhatsApp:+1(323)628-7351 Email:kellyrobert11009@gmail.com