Hoyes Michalos – Reviews and Testimonials

Best thing I have ever done was make the call to Hoyes, Michaelis and associates. The feelings of anxiety and embarrassment were quickly washed away from the moment I spoke to Howard. He was full of knowledge and empathy. I was thoroughly informed as to my options and made the best decision with guidance that I trusted completely. My follow up with Patricia was so helpful ..... It gave me hope for my financial future. I cannot recommend this company enough if one is considering doing a bankruptcy or proposal.

Deciding to go with Hoyes, Michalos & Associates Inc. is the one of the best decisions I have ever made in my life. I am really lucky to get Brett Nicholson as my trustee. I recommend him 100% if you can get him as your trustee.

He is extremely knowledgable and professional. He responds to emails and phone calls in a timely manner and will put your best interest at heart.

Brett is also very caring and understanding. He takes the time when explaining things to me and ensures that all of my questions are answered. Having Brett as my trustee has reduced a lot of my stress as he always tries to help where and when possible. He really goes the extra mile to help me when I reach out to him.

I recommend Hoyes, Michalos & Associates Inc. to anyone who is in a sticky situation. I am sure that the other trustees are good but if you can work with Brett Nicholson, you are in really good hands.

They are really professional, courteous, helpful and straight forward.
I am still thinking it is a dream , still I don't believe my debt reduced from about 90000 dollars to 15000 dollars.
They did really wonderful job . I feel a huge weight off my shoulders.
I strongly suggested their services to everyone who face financial problems.
I was really feeling trapped in my own debt, and looking for a solution.
Hoyes. Michales.and Associates made a big change in my life.
Thanks for all their help.
Alix

I really appreciate the speed with which Benny addressed this matter. I have a big load off my mind now that the creditors accepted the proposal.

Wow, I could have never imagined how fluid the consumer proposal process was going to be... Benny Mendlowitz reviewed my situation and quickly determined that it was the best avenue to undertake.
Really pleased that this option was made available to me...So relieved and at the same time flabbergasted at the results: being debt free and all the stress and pressure are now history for me.
Benny has so much experience, a true and genuine specialist in his field, demonstrating so much integrity, knowledge, and applying superior negotiating skills on behalf of his Clients.
For all this, I am very grateful, Thank you Benny.

I cannot recommend this company enough! Scott Terrio is so incredibly kind, compassionate, knoweldgable and understanding. I walked into his office as a terrified mess and he assured me that I would have financial relief soon. He is also extremely patient as I took 2 years to actually bite the bullet. He explained, in as much detail as I required, the pros and cons to bankruptcy vs consumer proposals and helped me make the best decision possible for me.
He got my debtors to accept his first proposal and made my life so much easier.
I cannot recommend Hoyes, Michalos & Associates enough!

This company is AMAZING.
I was drowning in debt, and I'm 26. This was from school loans, my car payments, insurance, groceries, credit cards, my cellphone and more. I wanted a fresh start, and as many people know - its not fun asking for help for your finances, especially when you're in the negative.

I contacted Hoyes for a consultation, by the way ITS FREE! And the initial call is what gave me the first good impression. The woman who I would speak with at reception was so pleasant and very patient. She set me up for a meeting with Scott later that week. Scott was fantastic, he listened to everything I was going through, didn't judge me for a second, was motivated to help me get a fresh start, and took the time to run through all of the options with me and was very patient about it.

I then was directed to Diane, who was the cherry on top of this experience. She is awesome, and very welcoming and friendly. She was the one to help me with the details of all of the debts I incurred. She immediately contacted the credit bureaus and the phone calls and pestering stopped. She dealt with all the stress and headaches of my debt. She checked in with me a few times to assist with credit counselling and budgeting. She's been a wonderful help to me and was able to get my 30k debt down to 6k. I've been fortunate this year with CERB/CRB to pay these debts off in full - however this decrease in my debt, no interest building on it during the 5 years, and my credit has increased HEAPS! She also told me that the credit counselling is fully included in their price (thats included in my 6k) and can be used whenever, even though I'm finished with my payments, I'm still going to reach out if I need help with finances or budgeting in the future.

Thank you so much Hoyes! Your entire team has shown incredible service quality and work ethic and I couldn't be happier with my outcome. Y'all rock!

Before I found Hoyes Michalos I was literally at rock bottom. I was unable to make minimum payments on my credit cards and it was boiling down to the decision between groceries or putting money into a credit card. I had seemed help from the bank and was basically met with “you have no options but to shuffle your existing debt around. There is no option for consolidation” and they told me a consumer proposal would be a terrible idea but could provide no other solution.
When I met with Jeff he didn’t make me feel like I was failing like the bank had previously and he didn’t make me feel like there was no way out. I was treated like a person every step of the way and shown the reality of doing the proposal. I still have a long way to go to repairing my personal situation, but the support and guidance from Jeff and Krista has been great and has helped me feel like I’m not down and out just yet.

Drowning in debt before your 30 and feeling like there is no way to dig your way out is literally suffocating. So having people in your corner, helping you find your way is really reassuring. I am very grateful to have found Hoyes Michalos.

The counsellors truly care about the well being of their clients and go above and beyond to help with understanding your options and situation. they help you take control of your finances and put you on the path towards success.

Straight 5 stars! Hoyes, Michalos & associates has changed my life. I just got back the amazing news about my consumer proposal and im wiping my tears as Im currently writing this! I was struggling so much about my debt I would wake up worried about money and go to sleep worried about money. I had anxiety all the time, it was ruining my life. If this sounds like you please please pleaseee contact them, You will not regret it! Nicholas and Diana are the people who helped me, but the whole team is spectacular. They are kind, professional and So patient with me, which I really appreciate. Thank you so much Hoyes, Michalos and Associates I am forever grateful!

I can’t praise this team enough. What I thought would be a long stressful process was made unimaginably easier. A big thank you to Brett and everyone else who helped me transition smoothly out of debt!

Maureen has made this whole process easy, judgement free, and stress free. Highly recommend her if you're struggling with debt and are looking to see what your options are.

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!

Mrs Susan Ryan is very Knowledgeable on the aspect of Forex & Cryptocurrency market and really does her best to make her Clients happy. Mrs Susan Ryan is undoubtedly the best Forex and Crypto account manager I've ever seen She was a great help and support throughout the process of trading. Thank you Mrs Susan Ryan for your time and dedication!!! Highly recommended. you can reach out to her
Email: susanryan3221@gmail.com
WhatsApp +13523292265

My counsellor has been extremely helpful after only 2 sessions ! The process was easy and has made me more confident with budgeting and planning for my future.

They made the process so easy and understanding. Prior to my 1st email I felt completely lost and defeated. After a few emails , phone calls I feel relief and I’m so glad that they were able to help me.
Thanks again,
Kristee

The team at Hoyes, Michalos & Associates made what could have been a miserable experience painless. Recommend them to anyone else going through this process 👍🏽

Sandra at Hoyes Michalos is such an amazing trustee. I recently got my proposal accepted and she was incredible throughout the process. Extremely professional and very responsive to any questions or concerns I had. She guided me throughout the entire process and explained things extremely well. She would reply quickly and helped me feel at ease. I would recommend Sandra 10 times out of 10!

I highly recommend HOYES, MICHALOS & Associates as a Trustee. Shannon, Brenan, and the other associates have been very helpful, and made the Consumer Proposal process simple. They are a reputable, and professional company that you can trust.

I am so happy I found Hoyes, Michalos & Associates! I only wish I would have came to them sooner. They have taken such a weight off my shoulders!