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

I was relieved after I reached out, I was made to feel very comfortable and especially appreciated that there was absolutely no judgement on their part. I would definitely recommend them without hesitation

Anyone thinking of doing a consumer proposal this company is great, they walk through all the steps and explain how everything works.

I had my own worries and concerns when contacting Hoyes, Michalos but after talking with Billy Martell and Beau Humphreys I am at ease, I have knowledge and on my way to a Fresh Start. Thank you.

I will always refer anyone H.M.&A. My case was handled professionally and confidential. R.Martyn was my trustee and understood my situation better than i did and had me totally relieved with my resolution. G.G.

I was a client of Hoyes & Michalos about 5 years ago and I finished my consumer proposal about a year ago. It was the absolute best decision I have ever made. This program saved my life. it gave me back my marriage, my friendships and my relationships with my family also. I appreciate all that they did for me, they gave me a voice to explain to others that there is hope out there. They don't have to suffer alone with all their debt. I have an excellent credit rating now. I currently owe $350. on my credit card from Xmas that I will pay off in full this month. This program literally changed my life in every respect. I now live on my budget that came from Hoyes & Michalos. I will never go back into debt again. I can't thank this company enough for all they did and a special thank you to Joel Sandwith for all he did and the little hug he gave me afterwards sealed the deal. Many many thanks. Sincerely Shel :)

I am so Thankful for all of Mark and Michele’s guidance. I would highly recommend them. Thank you for everything.

Benny was amazing with me and answered all my questions with a lot of patience and most importantly got the job done. If you're wondering whether this is the right place for you, I'd say give them a call and you'll have a great experience.

You folk out there who may be deep in DEBT and are looking for a company that can help you out out of it, look no further then Hoyes .Michalos. I spend over a year looking for Licensed Insolvency Trustees & Credit Counsellors who could offer me Consumer Proposal • Debt Consolidation • Bankruptcy Etc., and actually tried some of them briefly to see what they had to offer and what my options were, but no one stood out who believe I have other options other then Bankruptcy, which actually is your last resort. I especially want to personally thank Benny Mendlowitz Licensed Insolvency Trustee in North York office and his whole team who were very professional and confident in taking my case and finding me the right solution to solve my debt issue, where I 100% believed Bankruptcy was my only option considering the amount of debt I was carrying. Hoyes .Michalos have team of professionals who know have all the necessary tools to negotiate with not only your creditors but other like Canada revenue to protect your Asset and find you a fair deal. I cannot thank them for all they have done and build back my confidence to start fresh, and provide me with Financial consulting and necessary tools to manage my monthly expenses.
Thank you,
Randhawa

I would highly recommend Hoyes Michalas. They always responded to my inquiries in a timely manner, I never felt rushed and they went out of their way to explain all of my options. They provided me with excellent advice and an option which allowed me to get back on track financially and provide security for my family in the long term.

I had the pleasure of Beau assisting me in my consumer proposal and he made me feel comfortable the whole way through. He provided excellent advice that will help shape my financial mindset for the rest of my life. I am truly grateful to have come across this company and the gentleman who assisted me. 10/10 recommend if you feel you're drowning financially.