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

I stumbled upon Hoyes , Michalos& associates just by luck on Facebook.
I was in a financial crisis and literally depressed .
Benny , Shelly and the team assisted me navigate through in the shortest period possible.
They will coherently explain details to you at your convenience and what drew me to them is the openness and determination they put out their to ensure you understand the process well.
They will assist you to put together your proposal paperwork each time explaining each step from start to finish .
It was a sigh of relief when the proposal was accepted I must say .
They also offer financial literacy materials to which comes in handy budgeting and management.
I sleep soundly knowing no creditor is blowing up my phone and I have peace that I pay an amount that I can afford compared to what I was to pay back.
I will definitely recommend them and kudos for you really really do a good job 👍

I was nerves to start to talk to them , But when i did talk to them i dont know why i was nerves . best thing i did was getting this stress taken care of and thanks to the team at Hoyes , Michalos & Assaciates i feel like i am in a better place now. The longer you wait the more stress you get .... stop waiting and do what i did just call them made me feel better in 1 call :)

Works quick and efficiently..explains as much as possible and very helpful..once you make the decision are ready to get the process done to make less work for you to do

I cannot say enough about how well I’ve been treated throughout the process with Hoyes, Michalos and Associates. Specifically dealing with William (Billy) Martell. Billy has been so helpful providing me with all of the possible options I have including the pros and cons of any and all decisions that I had to eventually make. These past few years have been very humbling to say the least after covid hit our country in quickly realizing the negative impact it had on myself and my family financially was very unexpected and hard to recover. Billy has been an absolute professional and master of understanding of mine and my families financial situation helping us with budgeting and money saving ideas which in the long run has helped us a great deal and made us understand how much money we could actually save just by making a few small adjustments from a budgeting and spending standpoint. I have a few years ahead of me to get through everything but with All of the tools that Billy has provided me and my wife I feel like the future is bright one at the end of the road. Thanks so much Billy, Hoyes, Michalos ans Associates.

Thank you Maureen for your excellent service. You have been an excellent coach, a great listener and communicator with a human touch and a valuable resource to me. I consider myself fortunate to have met you at this time.

Excellent experience, incredible customer service and very understanding. Would highly recommend them for your needs.

Diana Wong was prefect, the best ever for Me

Scott is very helpful, thorough , always available for clarifications or answering questions.
I am so thankful for this agency and completing a consumer proposal with this organization.
They made everything very easy to understand and less stressful in dealing with a stressful financial situation.
They are very well informed , know what they're doing and I place my trust in them to help me moving forward until I've completed my monthly payments .

Diana and William were very kind, professional and understanding. They made the process stress free. I highly recommend them to anyone who finds themselves in this difficult situation.

Hoyes.Michalos very professional and provide great service. They are very flexible, reliable and advance you can communicate by phone, email or social media. Maureen is very helpful and she knows what she is doing. She is very professional trustee (LIT), knowledgeable and you can ask her tons of questions regarding proposals she will provide you all the answer. Overall Hoyes teams is great and I give them 7 stars ⭐️⭐️⭐️⭐️⭐️⭐️⭐️