Hoyes Michalos – Reviews and Testimonials

Mark and team really helped me. They were so understanding and helpful. It was hard to ask for help but they really are wonderful. I would definitely recommend speaking to the team even if you're not sure where to start. Thank you for all your help!!

Quality work, Totally recommended!

Truly a life changing decision for me . I wish i could have applied earlier. Been in in the toughest time of my life ,Ted is very helpful and making the applications a lot easier without any judgement.Meg is just amazing for counseling. Truly grateful for these team.

Amazing experience with Billy while dealing wth hard choices, he is professional , informative and extremely supportive.

Both Scott and Charlie have been amazing. Walking through the steps has come with great ease and appreciate all of the support and guidance received.

Hoyes.Michalos very professional and provide great service. They are very flexible, reliable and advance you can communicate by phone, email or social media. Maureen is very helpful and she knows what she is doing. She is very professional trustee (LIT), knowledgeable and you can ask her tons of questions regarding proposals she will provide you all the answer. Overall Hoyes teams is great and I give them 7 stars ⭐️⭐️⭐️⭐️⭐️⭐️⭐️

I had a great experience with Hoyes, Michalos & Associates.
They evaluated my needs carefully and came with a solution suitable for me. Very helpful and professional.

Wonderful service, and very professional. Helped me make my unfortunate situation feel a lot less stressful. I appreciate Hoyes, Michalos & Associates for making me feel important to them every single time I contacted them for help. Thank you to all the associates that help with a warm smile you can hear through the phone. 5/5

Couldn’t have picked a better company to go with. My Father his wife as well as my fiancé all went through hoyes for bankruptcy. and I just finished my 5 year consumer proposal. It was nice not being harassed everyday they took care of all of that for me. Professional staff and always worked with me on the tough months if I needed to move a payment. I would give 10 stars if I could. Thank you hoyes for all you have done for me.

Had 9 collectors with around 50k worth of debt my wife and I couldn’t afford. Got it down to 15k with this program. Shout out to Brett Nicholson and Brennan Thompson at Hoyes! You guys are great thanks for the help!

I must give a big thank you to the team at Hoyes,Michalos and Associates...i was a nervous wreck when i first called them. Now i am happy, that i will be debt free in a couple of years!! Great Job, Nicholas thank you for all your help.

I was terrified to deal with my debt on my own, I had no idea where to begin. Sandra was there for me every step of the way, with immediate responses to my questions and helped clarify every detail! Knowing that I could contact her at any time with any question helped my anxiety and gave me faith in the process. Today I am proud to say I am fully debt free and it feels surreal. I found the counseling sessions to be extremely informative and will carry this knowledge with me forever. Thanks to everyone on the team !

I don’t know what I would’ve done if Hoyes Michalos hadn’t been there for me, they are professional and extremely helpful, polite and friendly.
I recommend them and they will help you out, especially in these hard times.
Thank you Hoyes Michaloes for your consideration, your professionalism and service…5 stars ⭐️⭐️⭐️⭐️⭐️.

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!

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.

Hoyes and Michoalos took the fear I was having about proposals and bankruptcy away and made the whole process go smoothly. Sometimes you just need to trust someone to help your financial situation and its a huge relief now that I have been to see them.

Struggled with debt since forever. This was compounded over the years by 3 significant relationship endings. Past the age 50, had more than $35,00 in consumer debt and was never going to get that paid off. Was giving creditors $1,100/mth in payments, then borrowed some of it back for living expenses. It took 6 mths to decide to make an appointment and then another 2 mths to decide to move forward with a consumer proposal. IT WAS THE BEST DECISION I COULD HAVE MADE. Brendan was very helpful and kind. Shannon was amazing and supportive. My last meeting (2nd credit counselling session) was with Maureen and she and I had great discussions as we covered many areas of areas of personal finance which left me with tons of optimism. Everything has changed for me, for the better. I should have done this years ago.

They really are amazing. The are fast when it comes to responding,they will guide you thru the process and make sure you understand. Amazing amazing amazing. Now l know better when it comes to spending and they also provide you with counseling to help you get back to doing good for yourself. I sleep better knowing l have alot l need to do but have the tools and skills to get there. So big thank you from me for the help they are providing for me. I recommend you give them a call there energy is very welcoming. Stay blessed.🙏

Thank you so much Maureen for all your help I enjoyed our discussion today the information that you gave me was very helpful and I will use this information moving forward to help better myself in my life thank you so much for everything that you have Brennon have done for me I look forward to the info I Receive moving forward.

Absolutely amazing service! Going through the stressful process of considering a consumer proposal was made much easier with there kind, and thoughtful counselling. Once I came to the decision that it was the right move for me to make, licensed insolvency trustee Ian was there every step to ensure I understood every aspect of the process.

Once the proposal was complete, every question I had was promptly answered, and ongoing support was just an email away. Seeing how much time and care was put into my case was heartwarming to see. I could see that my future success was genuinely cared about by Ian throughout the entire process.

I encourage anyone facing a tough financial situation to consider using the services at Hoyes, Michalos & Associates.