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

Helped me a ton in a bad financial time.
Scott and his team made things simple and easy to understand. Would recommend 100%

Professional and empathic, Hoyes Michalos helped me through a really challenging time in my life. They were respectful and helpful throughout the process. I am grateful to them for their help and guidance.

I came to Hoyes because I was far far behind in everything. They took the time to explain the process and found the right option for me. Howard and patty were great in making sure I was informed and had the right tools. They were all very kind and helpful. If you need help with your credit issues these are the one to go to.

Highly recommended!! I worked with Scott and he truly changed my life. I am very happy with the results and I feel a huge weight lifted off my shoulders. Thank you for your amazing work!

It has been an absolute pleasure working with Hoyes, Michalos & Associates! Howard was very informative during our meeting and was able to help me 100% with honesty and explained everything so I understood fully before signing anything, and Patty has been amazing at helping with questions that are probably really silly for most people and teaching me all the extra little things that I didn’t have before. Thank you so much for helping me get back on track and work towards goals I didn’t realize where possible!!

Me and my husband worked primarily with Kristen and had an amazing experience. She was great to work with and is super quick with responding to emails. They made it as easy and painless as possible and would recommend them to anyone. No matter what your situation is, they will help you figure out what your best option is. Highly recommend!

My experience here has been incredible! I had a lot of anxiety and put off dealing with my debt for years. Jason has made the experience easy and stress free. He answers any and all of my questions quickly and kindly. These trustees are a great choice for helping find debt solutions for you!

I can’t even put into words how happy I am that I chose Hoyes, Michalos and Associates to assist me with my proposal. They are caring, professional, understanding and always have my best interest.

This company is AMAZING.
I was drowning in debt, and I'm 26. This was from school loans, my car payments, insurance, groceries, credit cards, my cellphone and more. I wanted a fresh start, and as many people know - its not fun asking for help for your finances, especially when you're in the negative.

I contacted Hoyes for a consultation, by the way ITS FREE! And the initial call is what gave me the first good impression. The woman who I would speak with at reception was so pleasant and very patient. She set me up for a meeting with Scott later that week. Scott was fantastic, he listened to everything I was going through, didn't judge me for a second, was motivated to help me get a fresh start, and took the time to run through all of the options with me and was very patient about it.

I then was directed to Diane, who was the cherry on top of this experience. She is awesome, and very welcoming and friendly. She was the one to help me with the details of all of the debts I incurred. She immediately contacted the credit bureaus and the phone calls and pestering stopped. She dealt with all the stress and headaches of my debt. She checked in with me a few times to assist with credit counselling and budgeting. She's been a wonderful help to me and was able to get my 30k debt down to 6k. I've been fortunate this year with CERB/CRB to pay these debts off in full - however this decrease in my debt, no interest building on it during the 5 years, and my credit has increased HEAPS! She also told me that the credit counselling is fully included in their price (thats included in my 6k) and can be used whenever, even though I'm finished with my payments, I'm still going to reach out if I need help with finances or budgeting in the future.

Thank you so much Hoyes! Your entire team has shown incredible service quality and work ethic and I couldn't be happier with my outcome. Y'all rock!

Mark is FANTASTIC! Took the time to explain the whole process AND answer all the questions I had. (There were a lot of them) The only regret I have is not going to see him sooner! If you are struggling financially… as many are these days… then stop procrastinating and do something about it! Give Mark at Hoyes a call!!!