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

From the moment I contacted Hoyes, Michalos & Associates, it was a stress-free and wonderful experience. Although decisions and conversations about these topics can be filled with a lot of stress, confusion and anxiety, I felt so relieved to be chatting with such a kind and understanding team.

I was provided with all my options and was provided with all the information and answers necessary to make my decision. I'm so grateful that I got to work with Scott as he one of the most patient, compassionate and understanding people. He (and others on the team) always took his time to answer my questions and provide the best advice for my situation which was so appreciated as matters like this can be tricky.

Thank you to all at Hoyes, Michalos & Associates for providing me with a fresh start and your kindness during this whole process. You will be happy that you chose them!

Very helpful, informative and straight forward. If you need help financially then I highly recommend them.

I will gladly give this place a 5 star rating. Scott S is an amazing person to deal with. Even after the proposal is filed and good. He is always available for any questions I have with a quick response. I am glad I chose this place for my proposal. I recommend all the people that ask about a proposal to reach out here. Thanks for being a great person and company.

I needed help with creditors, its been 3 years after my claim, and they still go out of their way to ensure issues will be resolved for me. I am glad I chose them to be my trustees.

Very knowledgeable, friendly and helpful in dealing with a stressful situation. Also helped after the entire process was complete. Dealt with Scott Schaefer in the Kitchener/Waterloo office, and would highly recommend him and the Hoyes team if in need of debt help.

I honestly was so afraid to contact anyone in regards to my debts but I am so glad i contacted this company!..
Rebecca is so easy to talk to and she does not judge you at all..
So professional and kind..
Call them you will be able to sleep again!

I would Like to take a few minutes to thanks All the staff from Hoyes, Michalos for the great services. I would like to mention Mauren Parent, I wanna say thank you, thank you for everything you have done, make me comfortable, talk to me as a family while you doing your job. I can not thank you enough but God Will.
I also want to thank Brennan Thompson, you are amazing.

This company and certain individuals have done wonders for fighting for me to help me manage my debt. They have given me tons of information so I don't wind up in this spot again. Truly, a wonderful group of people, who hold your best interest as if it's their own. 100% recommend.

Cyndi and Ted at the Guelph office were very helpful, thorough and well-informed. They answered any questions we had and went over all our best options. I highly recommend using the Guelph location for your insolvency needs. First class customer service.

A simple search online and I found this group of people. Really helped me with my finances. Exceptional people that did everything to help me out. Definitely worth the call.