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

I highly recommend contacting Hoyes Michalos if you are seeking reliable advice re: managing debt. Very knowledgeable, dedicated and professional.
Sandra Sykora, in particular, has been invaluable and a pleasure to work with, in guiding me through the various options available, providing relevant documentation, outlining next steps, answering all of my questions etc.
Sandra and everyone on team have treated me with kindness, courtesy and respect from day one, in all of our communications.
I am forever thankful and filled with gratitude.

Highly Recommend, Had to go through a debt consolidation. Didn't really know what to expect. Joel and Heather are both easy to talk to and outgoing individuals. they made the process seamless and easy. Joel help get the best deal possible with the creditors and heather is very knowledgeable about getting spending habits back in the right direction. Glad I choose Hoyes, Michalos & Associates for this process.

I loved working with Angela. She explained everything to my understanding, she was responsive, professional, very pleasant to speak to and had a settlement offer that went well beyond my expectations. I am so glad I had a chance to work with her. Yes, highly recommend her and her Firm to those who consider alternate solutions to their financial situations.

My experience with Hoyes, Michalos & Associates during my Consumer Proposal process was exceptional!! From the outset, I was met with a team that not only understood the complexities of my situation but also approached it with empathy and support.

Facing financial challenges can feel overwhelming, but with my assigned Trustee Jennifer's constant positivity and encouragement, the journey became much smoother. Together with the firm's professionalism and efficiency, what could have been a stressful experience turned out to be surprisingly manageable.

What sets Hoyes, Michalos & Associates apart is their genuine commitment to their clients' well-being. They didn't just handle my case; they truly cared about my situation and worked tirelessly to find the best solution for me. Their dedication and personalized approach made me feel valued and respected.

I wholeheartedly recommend Hoyes, Michalos & Associates to anyone in need of financial assistance. With their expertise and compassionate support, they can turn what might seem like an insurmountable challenge into a manageable journey toward a brighter financial future. Thank you, Jennifer, and the entire team, for your exceptional service and unwavering support!!

I was experiencing paying 2000 a month in credit debt..like a ball and chain..
I got myself into trouble and faced paying off credit the rest of my life
These guys saved me and my debt depression is gone..affordable payments and also they care about YOU ..call them and stop worrying

It’s never easy, going through consumer proposals or even bankruptcy. But Scott Terrio at Hoyes, Michalos made it easy. Treating me with dignity and respect through it all. I’m on the road recovery thanks to him. I would definitely recommend this legal team on your side in difficult times!

Thank you.
Sean.

It is not easy to ask for this kind of service. Embarrassing for me but Shannon and the staff made me feel comfortable and explained everything in detail and made sure we understood everything. Never pressured us to do anything. I highly recommend them.

Thanks very much to Meg and Ted you are wonderful people.You made this difficult time easy to deal with. Thanks again

I was in jeopardy of having my wages garnished and didn't know what to do. I was doing some research online and came across Hoyes Michalos. After reading all of the amazing reviews I decided to reached out to them. Rebecca was a amazing throughout this whole process. I feel relieved and no longer have to stress about my debt. I can finally start planning for the future!! Thanks Rebecca and Hoyes Michalos!!

Benny Mendlowitz is an excellent licensed insolvency trustee, he has a very calming, non judgemental presence and is incredibly knowledgeable in his field. I specifically sought out Benny because of the many great reviews on here and I am happy to say that they are all accurate.