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

We met with Maureen Parent and couldn't be happier! She is very knowledgeable about the whole process and was able to explain each step and our options to us in terms that we could understand. She made what can be a scary process into one that put our minds at ease. We HIGHLY recommend giving her a call!

Amazing experience with Billy while dealing wth hard choices, he is professional , informative and extremely supportive.

The economic constraints of the COVID-19 pandemic impacted me greatly. I am very pleased to now be a client of Hoyes, Michalos and Associates. My trustee is patient and very knowledgeable. She has provided me with a measurable approach to financial freedom, without having to file for personal bankruptsy. We were able to work with my debtors with a consumer proposal. I am well on my way to fulfilling my goals. Thank you!

Billy at the Burlington office is so comfortable to deal with very professional and very helpful. He made sure i was aware of the proposal process and made sure everything was submitted promptly and all proper documents were submitted to prevent any delays. I would highly recommend Billy at the Burlington office if you are looking to get rid of bad credit.

This place seriously gave me my life back. A massive weight has been lifted off of my shoulders since going through with my consumer proposal. Scott is really professional, helpful and easy to talk to!

I signed up for a consumer proposal back in 2017 and I finished it Nov. 2021, a year early. The staff there was always helpful, knowledgeable and quick to get back to you. If your struggling and need a place, I suggest Hoyes, Michalos and Associates.

They have been extremely supportive and helpful during this stressful time. The process was easy and everyone I spoke to made sure I was well taken care of and answered all my questions.

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!

During this unprecedented time of Covid lockdown, restrictions, and closures, many people and businesses found themselves caught in disastrous financial situations. I was one of those people. Never in my life could I have predicted the situation I found myself in.The stresses that Covid created for all was compounded by financial stress. The stress was truly unbearable, untenable, and surreal.

Once I had decided a course of action, I quickly researched and interviewed a number of Licensed Insolvency Trustees.

Nicholas To, of Hoyes, Micholas & Associates, was one of three trustees to be interviewed. I felt he was very professional. His amicable demeanor put me immediately at ease and his immediate, knowledgeable responses to my endless questions further confirmed that I had chosen well!

Kudos also are being sent to Heather Cudmore who held my hands during our counselling sessions. Thank you for the helpful knowledge and information that you gave in a such a supportive non-judgemental way.

I can see a future now....and for the first time in a couple of years,....it looks bright!

Very professional and helpful company very good experience overall highly recommended to anyone in need of financial help or a fresh start.