Hoyes, Michalos & Associates Inc.
Licensed Insolvency Trustees for Consumer Proposal,
Personal Bankruptcy and Debt Relief in Ontario

Jason has been nothing but helpful during some of our toughest time. He was very clear with the process and provided support through the entire process. I highly recommend Hoyes, Michalos & Associates for a fresh start.

Couldn't be happier! Staff is very friendly and considerate. I came into this place with a lot of financial stress and now 2 meetings and 1 budgeting session later I must say I am feeling 100% then when I first came to their office. I will continue to use them and will refer any and all to them that need help in the fields that they professionally provide.
Cant say thanks enough!

Scott Terio and team are so great and helpful. One of the reason that convinced me right away for the proposal its because of Scott. He explained everything to me clearly. Everytime I have questions and confusion I can always reach out on him or anyone I spoke with the team were very helpful. Thank you for all your help. The team and service are excellent

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.

Great place to help you get back on Track! They were very responsive and helpful. I would recommend them to anyone trying to get themselves out of a financial burden.

The relief i felt with their assistance was life changing.

Thank you Nicholas, Diana and whole team!

I contacted Hoyes Michalos after years of trying to deal with debts and feeling like I couldn't keep my head above water. I received a reply to my inquiry very quickly and began working with Scott. He has been so helpful in explaining all options and helping me find one that works for my situation. He has continued to be a huge help, always answering questions and responding quickly to any emails or calls. I will highly recommend Hoyes Michalos and Associates in the future.

I chatted to both Peter and Billy and they were awesome and very helpful.

It was good experience with them. Hoyes had the right answers and advises for many situations. And they stick with the customer to they achieve the financial freedom you seek.. Thanks Hoyes for the great help.

I had a great experience with Hoyes, Michalos & Associates. I was completely overwhelmed with my debts and had no idea what my options were. Jason was very friendly and understanding, clearly explained my options to me and recommended the best possible solution. Since than my life has changed dramatically! I highly recommend this firm!

2013 was a big yer for me, it was when I was 19, got approved for my first credit card, cell phone, and some loans. However at that age, the goal was to spend spend and spend. I soon learned after a few years,, that it became debt, and debt leads to stress of creditors harassing you.

I began my journey with Hoyes, Michalos & Associates in late 2018 to early 2019. it started with filling out a small questioner that popped up on my facebook at the time, regarding personal debt. after filling out the questioner, few days later had an appointment set, with Nicholas who was a trustee at Hoyes Michalos.

we sat down and discussed my debt, discussed my options based on my budget, and ultimately came up with some solutions. there friendly reminders of your appointment, to excellent help from there team. I can say now that I am debt free, and now can start moving forward in my life towards a better finial future.

I would like to say to anyone out there that is deep in debt, that there is always a better tomorrow, the sun will always rise. just reach out to Hoyes Michalos, and they will help you with all your needs.

I give them 5 star, for the work they have done for me. So join me and become debt free, give them a call, I know I did and look at me now debt free.