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

The people who work there are very friendly, they make you feel comfortable and at ease, making the process of what you’re dealing with easy to go through. I recommend anyone needing help with financial issues give Hoyes , Michalos a call , you’ll be glad you did 😊

Honestly, Hoyes & Michalos turned a very stressful situation for me into a very manageable situation. I felt very empowered leaving the office the first time, feeling like I could really do something about my debt. I feel more educated now so that I will be able to make better decisions in the future. I feel like I've been given a second chance. Thank you so much for your kindness and professionalism when helping me through a difficult time in my life. There are a lot of scams and people who are looking to take advantage of those who are in debt. I highly recommend this company because they will answer all your questions and be with you every step of the way, and will not pressure you into anything. Thank you!

After meeting with several companies to discuss my financial situation and the curve ball life had thrown me. This was the only team that from start to finish kept my best interest at heart! Provided the correct information the first time and allowed me to get back on a healthy path!
Thank you Joel and team

Hoyes, Michalos & Associates made the consumer proposal process stress-free and straightforward. Their team was professional, supportive, and explained everything clearly. Thanks to their expertise, I now have a fresh financial start. Highly recommend their services to anyone struggling with debt!

They were extremely professional, helpful and they provided me with all the answers that I needed. I would definitely recommend them to anyone who needs to do a consumer proposal. I'm glad I chose Hoyes Michalos

I contacted Hoyes Michalos after years of trying to deal with debts and feeling like I couldn't keep my head above water. I received a reply to my inquiry very quickly and began working with Scott. He has been so helpful in explaining all options and helping me find one that works for my situation. He has continued to be a huge help, always answering questions and responding quickly to any emails or calls. I will highly recommend Hoyes Michalos and Associates in the future.

If you’re drowning in debt, and you need a life line, make the call, I did. Hoyes & Michalos will make a difference!

First of all I was having 30% garnished wages off of each pay cheque. I was losing money ! I decided after doing research to do a consumer proposal and it started June 2019 . I am glad to say I finished January 5, 2022. I paid it off in half the time . My credit took a huge hit . Once I was in my consumer proposal I paid $75 bi-weekly and it was so much more manageable . So thankful for this opportunity and I didn’t have to declare bankruptcy. I got approved for 2 credit cards , 2 loans while in a consumer proposal. You have 5 years to complete your consumer proposal. I suggest paying it off sooner. It stays on your credit report for 3 years . The key takeaways from my experience. Making your payments on time , don’t use more than 30% of your credit , if you don’t have the money don’t buy it , save your money . Thank you Hoyes for helping my financial future . If you’re hesitant I say go for it as it helped me and the payments are very low in comparison to consolidation and bankruptcy.

I was experiencing paying 2000 a month in credit debt..like a ball and chain..
I got myself into trouble and faced paying off credit the rest of my life
These guys saved me and my debt depression is gone..affordable payments and also they care about YOU ..call them and stop worrying

I’m incredibly happy with the professional service provided by Charlie, Insolvency Counsellor, at
Hoyes, Michalos & Associates Inc.
I can’t describe the peace of mind I’ve gained after the process was finished. I highly recommend to anyone looking for a fast and effective financial resolution!