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

Very professional and empathetic towards a very difficult and sensitive situation. Answered all questions thoroughly and always available through email or over the phone. You won't regret Hoyes, Michalos & Associates helping you through your debt! A big thank you especially to Rebecca for helping me through the whole process.

This company is wonderful, the customer service is served with compassion. They have been nothing short of amazing. I would absolutely recommend Hoyes & Michalos with a five star guarentee. You will not be disappointed. They have helped me through the hardest time of my life. Much love for them.

They made me believe that second chance is possible and within reach. Brian, Courtney and Nicholas are great guys to deal with.

Hoyes has the most professional team. They were always clear in their communication and ready to answer my questions. They did not push me to file for bankruptcy and allowed me to do so at my own time and pace. I would recommend Hoyes to anyone who wants to resolve their financial trouble in the least stressful way possible.

Scott and his colleagues operate so smooth..they get it done and easy for me.. always available, very helpful and very patient. They do care for their clients and I’m so grateful that I found them..

I honestly didn’t know where to turn. I thought I was stuck with bad credit for the rest of my life , until I reached out to Joel and the rest of his team for desperate help, Joel was amazing to work with and had no judge towards me, he did everything he could to help me. It was an absolute pleasure to work with him and I highly recommend Joel and his team. I’m happy to say my bankruptcy is finally finished :)

Sandra Sykora has been extremely helpful, understanding and informative. She is a no-nonsense Trustee, offering all the options, positives and negatives of my decisions and her recommendations. Thanks.

Mine is a familiar story… drowning in credit card & tax debt in excess of my annual income & monthly ability to repay, plus being constrained by a hefty garnishment, I was at a really low point - deeply disappointed in myself & ashamed for putting myself in this situation. I felt I was really sitting outside the door of bankruptcy & very anxious about it. In researching that process, I learned about Hoyes, Michalos & Associates & their services to assist with debt relief. I decided to call the office of Sandra Sykora to make an appointment to speak with her.
Right from the start Sandra let me know that there were options other than bankruptcy to help relieve my situation. In that first really open & friendly meeting, Sandra clearly took me through the options & the process for filing a consumer proposal, answering all my questions With a debt relief plan, rather than bankruptcy & the garnishment suspended, a huge weight was lifted.
When problems with one of the creditors arose, Sandra & the team at HM provided exceptional assistance and support to resolve the situation. Their incredible attention to my situation & quick responses to any and all my queries put me at ease throughout the process.
With my consumer proposal accepted, I am hugely relieved at having the debt reduced & an affordable plan to repay the remainder.
Anyone looking for guidance in dealing with an overwhelming financial situation can rely on the professional team at HM. Give them a call, have a complementary conversation with one of their licensed trustees – you will be in good hands to help you sort out your own situation!

The professionalism and care Scott has taken with me is impressive. If you don't know where to turn in times of trouble you must go here. They take so much care in your finances and truly care at getting you back on track. Thank you so much Scott

Amazing! They really helped with going through all the steps and what to expect. They really put my mind at ease. I'm now getting better sleep knowing my debts are being paid off and working towards being debt free. Thank you for all your help.