GIVE US 30 MINUTES
WE'LL GIVE YOU A PLAN TO BE DEBT FREE

Jamie in the St. Catharines office has been incredible to deal with. She's professional, informative, helpful and there whenever a quick reply is needed. The staff put my fears to rest immediately upon contacting them. Thank you, Hoyes, for being there to help

I had Rebecca Martyn working to help me with my financial situation and she was amazing. She was kind and understanding and really helped me feel at ease with my situation.

Everyone here has been wonderful to work with. I highly recommend Hoyes, Michalos & Associates to aid in your financial situation.

I'm very thankful to Benny and his team for assisting me with settling my debts. I'm on my way to a new beginning. I was feeling very stressed and not sleeping well. My mind kept wondering how I was going to continue to cope with the calls and letters I was receiving. Once I spoke with Benny and he explained how the process works, I instantly felt a sense of relief. Benny and his team are very courteous, respectful and are very knowledge. If you or anyone in your family has not picked up the phone to call Hoyes, Michalos & Associates what are you waiting for?

I received tremendous help from Jennifer Kwon.
For a long time, I was overwhelmed with anxiety about my financial situation and my future, and honestly, I was going through a period of depression.
Through our conversations, I never felt judged or pressured.
Instead, Jennifer took the time to truly listen to my situation and helped me see realistic and practical options.
Hearing that there were still ways forward gave me a sense of relief I hadn’t felt in a long time, and for the first time in a while, I began to feel hope again.
Knowing that I didn’t have to face everything alone made a huge difference.
I now feel encouraged and motivated to slowly rebuild my life with a clearer direction.
I would sincerely recommend Jennifer Kwon to anyone who is feeling lost or overwhelmed and needs guidance during a difficult time.

Billy Martell was a true professional you explained the process fully and always had our best interests at heart. Reliable and honest during a very difficult time.

I was drowning in debt depressed over this situation and i got a solution which really help they were nice and explained everything so now i have the confidence back highly recommend there services now im back on track

The whole process of a credit proposal was scary to me which is why I took such a long time to start it. However once I did I was amazed at how easy the process was and I felt so comfortable and appreciative of all the help from Hoyes, Michalos & Associates. Beau was wonderful to work with in completing my credit counselling sessions. Very easy to speak with, and just all around a genuine nice guy who is extremely knowledgeable! If your ever in need of their services, give them a call. You definitely won't regret it!

Excellent service with easy step by step instructions; all details thoroughly explained & all questions completely answered. Very helpful advice to help us move forward with confidence.

Benny and his team are life savers. They provided sound financial advice, acted quickly and fairly on my behalf. Even with as busy as Benny is, he always finds time to answer questions and provide guidance. I never felt lost, confused, or like I couldn't get the help I needed at any time. Utmost professionalism and compassion.