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

The Team at Hoyes, Michalos very helpful and it has been a pleasure working with them. Scott has been extremely helpful and clear and explained everything that I needed to know.

Hoyes, Michalos & Associates helped me navigate my personal finances in a way the left me feeling in control and like I made the best decision for me. The process was quick and easy and they were always available for the many questions I had along the way.
A special thank you to Jason for making this process as uncomplicated as possible.

I was so nervous and uneducated when it came to finances. They have made this scary process fast and extremely easy for me. During my counselling appointments I was given great information to help guide me.
I would highly recommend talking with them and seeing how simple and stress free it is to have them on your side.

I'm happy that I was introduced to Hoyes, Michalos & Associates. They've helped my get all my outstanding bills owing together and making it easy for my to be able to pay them of within 3 years. I highly recommend them to everyone in need of help.

I can not thank enough Hoyes & associates for all there help during my difficult time! I can finally breathe and a special thank you to Benny :) He is patient , understanding and trustworthy… Thanks again Benny and Hoyes associates I really do appreciate it !

From the time I realized I would be needing some help, I was a nervous wreck. Didn't know what to do or who to go to. Then a friend of mine told me to check out Hoyes Michalos.

As soon as I received the first e-mail back I felt like I was in good hands, but was still a bit apprehensive about the whole process. Not being a homeowner, I didnt know which options if any would be there for me. After going through a phone interview with Scott Terrio, I agreed to come in and put my cards on the table and go from there.

From the first meeting with Scott, I felt at ease and knew that I would be taken care of. He thoroughly explained the process, and what the next steps would be in completing my Consumer Proposal. After the meeting when all information was exchanged, I left the office happy and like a weight was lifted off my shoulders.

When I went back in to the office to finalize the Proposal, I got to sit down with and meet Doug. He gave me a rundown of the timeline and any other new information that came about. The only thing left to do was wait for the creditors to respond, but I never had a doubt that it would not be excepted.

I was approved, and now have more financial flexibility and security going forward. Both Scott and Doug helped me out immensely. Even during the process, when one of my old creditors tried to harass me for payment, both Scott and Doug went above and beyond to help me out.

I would definitely recommend them to anyone who may be going through a hard time. There is a way for you to get out of your troubles, and that way is to contact the team at Hoyes Michalos.

I had an excellent experience working with Hoyes Michalos on my consumer proposal. Benny was professional, knowledgeable, and very supportive throughout the entire process. He explained every step clearly and helped me feel confident about the decisions I was making. The team handled everything with care and understanding, making a stressful financial situation much more manageable. I truly appreciate their efforts in getting the proposal accepted and would highly recommend their services to anyone needing help with debt solutions.

Rebecca was very helpful and made me feel very comfortable and I went in the process feeling doubt and insecure. She put all my doubts aside and I am so happy I made this decision.

I got referred by my sister to Jason Q., he is amazing at what he does, he has put me at ease, thank you so much Jason, definitely will recommend to anyone looking for a consumer proposal.

I was panicking on what can I do next . No money working 40 to 50 hours a week and I still could not make ends meet. The anxiety I had that I would be living in the streets but Hoyes,Michalos and associates where wonderful within a couple of days everything was completed I have 1 payment instead of several .Creators are happy which makes me feel better and finally under control of my own finances. They are there to help with any questions . The counseling meeting are great they give you good tips to follow, to help with a better financial life . I would recommend them for your financial needs .