Hoyes Michalos – Reviews and Testimonials

Janette Martin from the North York office. She is one of a million. I did talk to lots of companies around the GTA only Janette keep in touch with me and she answered all my questions. She is very professional at her job and she fights for you 110%.

She keeps her words and she is very knowledgeable. Great company to work with but Janette is the superhero!!

Made appointment through email and they got back to me right away. My first appointment we discussed my options. They went through everything step by step, got all the paperwork filled out and by the time I left, it felt like a huge weight had been lifted off my shoulders. I would sincerely recommend Hoyes, Michalos & Associates.

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.

After filing months ago, I still get demand letters and collections calls and collections legal demands. I have spoken with my trustee, yet months later still happens. The payments are less but the stress is not gone

If I could give zero stars I would. Worst experience ever. No integrity

Don't even bothering wasting your time with other companies. Hoyes is a top notch organization from top to bottom. They have been very flexible with my hectic lifestyle and very informative throughout the process.

Big thanks to the team at 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.

Hoyes has been amazing with us. We were struggling to make ends meet from paying off debt to even paying bills, but when we called hoyes they were there for us. So if you are struggling, then they are the company for you. Thank you hoyes.

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.

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

Trying to manage mental health issues and the hardships it brings to your life is a constant struggle. A struggle you keep private and silent to the best of your ability.

After a while you can no longer remain silent as life starts to crash around you.

When my financial situation was no longer manageable my health and well being deteriorated fast. The stress of losing everything and not having a place to live weighed heavily. Not because I was worried about me but I was worried about my wife of 20 years and the ramifications it would cause her.

Every day was filled with shame and guilt and hopelessness.

When I found Hoyes to see how I could manage this financial storm I was met with care and compassion. The compassion I felt was as genuine as it gets.

The team at Hoyes treated me with respect and dignity and my hopelessness started to turn into a positive motivation to get my life back on track.

Hoyes counselled me and worked out an arrangement with my creditors. It was a manageable solution that took the weight of 100 cars off my shoulders. I could manage my debt monthly and work towards living debt free. This is very important for someone in their 50’s.

Hoyes saved my life and I will forever be grateful to them. Till this day I still am treated with the same respect and dignity by all members of their team. It amazes me that this company has found the team with the morals and values to help those in a difficult financial time and ensure them it will be ok.

If you need financial help I promise you contacting Hoyes to find a solution will make your life so much better. You will have the help and support needed to make things right and not be buried by debt.

Thank you Hoyes

Jamie Perks was outstanding in guiding me throughout this process. I would highly recommend Hoyes, Michalos & Associates!

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 came down with medical issues and was unable to work. I tried for a few moths to come to an agreement with lenders with no luck. I called and was connected with Patricia. She was great and told me to take my time to decide and reviewed the pros and cons. I took two months to decide and connected with Joel. He explained the process very clearly and the process. Then I had a video conference with Heather. She was also great and walked me through next steps ! This team has taken a lot of stress of me and I compliment how professional they are !

Bob

OMG! I don’t know where to start! First of all thank you thank thank you to Benny and Janette and Hoyes Associates for all their help! I couldn’t sleep and also focus with my debt issues until someone referred them to me! They booked an appointment for me to come in right away and requested information. As soon as I provided the information I was called to come in and complete the paper works! To cut the story short I was approved for my proposal. Now I feel so much better. So thank you guys once again for al your help. I give them over 100% recommendation to anyone going through debt issues. So professional and super nice.

After a messy separation and unfair legal ramifications, I found myself struggling to make ends meet between support / lawyers and individual basic costs. HMA helped me see that there are much better options than struggling to make payments when life situations outside of your control occur. Brennan and Brett were polite, worked for me and did an amazing job. If you could save 70% of debts wouldn't you?

Benny Mendolwitz made this process very easy. He was empathetic, extremely helpful and put my mind at ease. Consolidated Credit has helped me a great deal!

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 highly recommend them as for I was struggling with debt and was living pay check to pay check. A friend suggested calling this Hoyes, Michalos & associates to hear them out and I’m so happy I did. Scott who happened to handle my case made everything so easy to understand and is still always a phone call or email away if I have any questions or concerns. I only signed about two or so months ago and am already feeling way less stress and have My life back money/pay wise. I do wish I had done this long ago. Don’t hesitate if your feeling the way I felt. There is a way out and I luckily found it. 👍👍

I highly recommend Hoyes Michalos. They are extremely kind and professional. They were very helpful through a process I knew nothing about and explained everything along the way, helping me to make informed financial decisions. I was nervous about my credit counselling session with Patty but she was so kind and relatable. I really worried for nothing