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

Benny and Janette are incredibly helpful, I’m very pleased with their help, and encouraging to fix and improve my situation.

Billy made me feel very relaxed and comfortable during my proposal. He is very professional, compassionate, friendly and kind and answered any questions I had. The office staff is very friendly as well. Thankyou for making this experience easy and less stressful. Thankyou for all your help and for listening. I would recommend his office to anyone.
Judi

Amazing ....so helpful cristin ia super friendly they are all very easy to talk to.They help you explore all your options before you make a decision ...and the best part they dont look down on you thank you hoyes michalos & assoiciates for treating me with dignity

Outstanding Experience – Highly Recommended
I had a truly great experience with Hoyes, Michalos & Associates during my consumer proposal, and I can confidently say that choosing them was one of the best decisions I’ve made.
From the very first contact, the entire team was professional, respectful, and extremely supportive. They took the time to explain everything clearly, answered all my questions with patience, and made a process that initially felt stressful feel manageable and straightforward.
I especially appreciated how transparent and honest they were at every step. There were no surprises — just clear guidance, genuine care, and expert knowledge. I felt treated as a person, not just a file number.
Thanks to Hoyes, Michalos & Associates, I now have peace of mind and a fresh financial start. If you are considering a consumer proposal and want a team you can truly trust, I highly recommend them.
Thank you for everything.
— Goran

Very knowledgeable and helpful people. Would highly recommend them to anyone needing their services!

They made the whole process simple and were really friendly

After going through a divorce and finding myself stuck financially i looked at many avenues to help me fix my credit and deal with the debt i had which seemed impossible to pay while having to pay child support. Hoyes Michalos did all the work and reduced my debt by 75 % which made it possible for me to get back on track. 4 years later i am looking to purchase a house again. I can not thank them enough for the help and guidance in a tough time.

Finally I start new fresh life with free debt and there is no more problems with credit card department thank you guys for your advice and your help. It is really nice to meet you I wish all the best to you thanks.

Beau was so kind through this whole experience.
I actually enjoyed my debt counseling sessions and might book another in the future. He genuinely cares about his job and you can feel that.

Now, I’m continuing to pay down my student debt with a lightness in my heart - and planning for my future and building my credit. I’m so glad I made the call to Hoyes and took responsibility for my life.

Thanks!

A very relaxed, non judgmental initial interview laying out the appropriate action for my circumstance. Follow-up visits reinforced the feeling of being respected and being able to discuss the process and report filings in a very cordial, informative environment. Definitely, it has been a very pleasurable experience so far, as I continue to deal with the reality of having to file for bankruptcy.